American Business 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.57 percentage points lower than in Q1 2026, at 177.58%. American Business Bank ranks 84th of 114 California banks on loan-to-deposit ratio, in the lower half at 79.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. American Business Bank sits 8.86 points lower, at 79.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.12B |
| Net loans and leases | $3.09B |
| Loans held for sale | $0 |
| Loans to total assets | 70.74% |
| Loan-to-deposit ratio | 79.34% |
| Net loans to equity capital | 7.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 69.50% |
| Multifamily (5+ residential) | 1.66% |
| Commercial and industrial | 20.69% |
| Consumer | 0.26% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 177.58% |
| Construction concentration (Tier 1 capital + allowance) | 18.99% |
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 | $44.2M |
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 | $2.51B | $3.50B | 73.71% | 17.00% | 0.27% |
| Q4 2023 | $2.58B | $3.50B | 72.60% | 17.08% | 0.34% |
| Q1 2024 | $2.57B | $3.31B | 72.90% | 16.42% | 0.30% |
| Q2 2024 | $2.60B | $3.46B | 71.92% | 16.85% | 0.32% |
| Q3 2024 | $2.62B | $3.72B | 72.67% | 15.60% | 0.31% |
| Q4 2024 | $2.75B | $3.64B | 72.62% | 15.76% | 0.22% |
| Q1 2025 | $2.83B | $3.76B | 72.37% | 16.37% | 0.22% |
| Q2 2025 | $2.89B | $3.87B | 71.89% | 16.90% | 0.29% |
| Q3 2025 | $2.92B | $4.00B | 72.39% | 17.43% | 0.23% |
| Q4 2025 | $3.05B | $3.95B | 71.87% | 18.06% | 0.26% |
| Q1 2026 | $3.10B | $3.90B | 70.64% | 19.77% | 0.24% |
| Q2 2026 | $3.12B | $3.94B | 69.50% | 20.69% | 0.26% |
American Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Business 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 American Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34788) · FFIEC NIC profile (RSSD 2734729)