Amerasia Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 10.47 percentage points in Q2 2026, from 343.95% to 354.42%. It was the largest change from Q1 2026 among the key lines here. Amerasia Bank ranks 42nd of 105 New York banks on loan-to-deposit ratio, in the upper half at 89.90% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Amerasia Bank reported 89.90% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $821.7M |
| Net loans and leases | $814.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.73% |
| Loan-to-deposit ratio | 89.90% |
| Net loans to equity capital | 5.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 60.52% |
| Multifamily (5+ residential) | 18.71% |
| Commercial and industrial | 0.89% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.09% |
| Loans to depository institutions | 2.43% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 354.42% |
| Construction concentration (Tier 1 capital + allowance) | 19.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $14.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $728.7M | $650.1M | 56.54% | 1.79% | 0.01% |
| Q4 2023 | $723.7M | $649.3M | 57.18% | 1.74% | 0.01% |
| Q1 2024 | $731.8M | $677.6M | 56.62% | 1.38% | 0.01% |
| Q2 2024 | $740.9M | $689.1M | 56.74% | 1.24% | 0.01% |
| Q3 2024 | $752.5M | $753.2M | 57.06% | 1.26% | 0.01% |
| Q4 2024 | $756.8M | $780.9M | 58.13% | 1.20% | 0.01% |
| Q1 2025 | $770.8M | $817.9M | 57.18% | 1.11% | 0.01% |
| Q2 2025 | $756.6M | $817.1M | 57.54% | 1.13% | 0.01% |
| Q3 2025 | $744.8M | $808.4M | 58.37% | 1.11% | 0.01% |
| Q4 2025 | $743.6M | $831.8M | 59.93% | 1.10% | 0.01% |
| Q1 2026 | $791.6M | $867.6M | 60.46% | 1.01% | 0.01% |
| Q2 2026 | $821.7M | $914.0M | 60.52% | 0.89% | 0.01% |
Amerasia Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerasia Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Amerasia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27267) · FFIEC NIC profile (RSSD 1169650)