American Continental 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): 12.03 percentage points lower than in Q1 2026, at 181.72%. Within California, American Continental Bank is 57th of 114 on loan-to-deposit ratio, 90.68% as of Q2 2026, above the middle of the field. American Continental Bank reported 90.68% on loan-to-deposit ratio for Q2 2026, 9.85 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $287.2M |
| Net loans and leases | $282.5M |
| Loans held for sale | $0 |
| Loans to total assets | 74.55% |
| Loan-to-deposit ratio | 90.68% |
| Net loans to equity capital | 4.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.26% |
| Multifamily (5+ residential) | 11.44% |
| Commercial and industrial | 4.43% |
| Consumer | 0.00% |
| 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) | 181.72% |
| Construction concentration (Tier 1 capital + allowance) | 58.79% |
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 | 7.74% |
| Interest income on loans | $5.6M |
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 | $257.8M | $279.9M | 34.32% | 3.69% | 0.00% |
| Q4 2023 | $254.6M | $285.9M | 33.33% | 3.81% | 0.00% |
| Q1 2024 | $259.2M | $274.2M | 32.92% | 3.65% | 0.00% |
| Q2 2024 | $269.4M | $280.4M | 32.95% | 4.13% | 0.00% |
| Q3 2024 | $276.0M | $290.5M | 34.30% | 4.09% | 0.00% |
| Q4 2024 | $272.4M | $288.2M | 32.32% | 4.24% | 0.00% |
| Q1 2025 | $267.3M | $292.6M | 31.55% | 3.94% | 0.00% |
| Q2 2025 | $283.5M | $295.4M | 31.30% | 3.87% | 0.00% |
| Q3 2025 | $308.4M | $308.6M | 32.69% | 3.96% | 0.00% |
| Q4 2025 | $295.0M | $312.2M | 31.02% | 4.45% | 0.00% |
| Q1 2026 | $293.4M | $311.3M | 31.37% | 4.50% | 0.00% |
| Q2 2026 | $287.2M | $316.7M | 31.26% | 4.43% | 0.00% |
American Continental Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Continental 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 Continental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57444) · FFIEC NIC profile (RSSD 3216316)