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  "documentTitle": "PB Bankshares | Results Presentation Deck | 27 slides",
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  "authorName": "PB Bankshares",
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  "presentationDate": "2023-11-01 00:00:00",
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  "nDataPoints": 11,
  "notes": "The slide uses a three-column layout to categorize portfolio risk metrics.",
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      "kind": "list",
      "text": "Office Exposure: $9.5 million in non-owner-occupied office space; 5 loans in medical space; Average loan-to-value ratio is 73.3%; Debt service coverage ratio 1.42 times.",
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      "text": "Stress Test: Completed 73% or $110 million of CRE portfolio; CRE Portfolio average loan-to-value ratio is 62.9%; Debt service coverage ratio 1.38 times; Property type is diverse.",
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      "text": "Hospitality Exposure: $17.4 million in flagged hotel loans; 5 loans; Average loan-to-value is 56.1%; Debt service coverage ratio 1.99 times; Strong guarantors.",
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      "text": "Select September 30, 2023 detail above. Management is monitoring the commercial real estate portfolio and concentration, assessing its associated risks.",
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      "text": "Commercial Real Estate (CRE) Portfolio",
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