B2 Bank N.A.: 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.
Loan-to-deposit ratio dropped 30.43 percentage points in Q2 2026, from 67.64% to 37.21%. It was the largest change from Q1 2026 among the key lines here. B2 Bank N.A. has the 4th lowest loan-to-deposit ratio of the 44 banks headquartered in Utah, at 37.21% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, B2 Bank N.A. reported 37.21% on loan-to-deposit ratio in Q2 2026, 43.63 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.6M |
| Net loans and leases | $38.3M |
| Loans held for sale | $0 |
| Loans to total assets | 33.71% |
| Loan-to-deposit ratio | 37.21% |
| Net loans to equity capital | 3.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.83% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.18% |
| Consumer | 13.41% |
| 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) | 29.91% |
| Construction concentration (Tier 1 capital + allowance) | 24.82% |
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 | 7.00% |
| Interest income on loans | $617K |
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 | $21.7M | $64.3M | 6.15% | 8.06% | 28.19% |
| Q4 2023 | $20.9M | $61.8M | 6.20% | 7.77% | 29.00% |
| Q1 2024 | $24.0M | $64.2M | 5.40% | 6.88% | 36.22% |
| Q2 2024 | $30.1M | $73.6M | 4.34% | 8.07% | 43.65% |
| Q3 2024 | $34.1M | $72.7M | 3.95% | 6.46% | 47.15% |
| Q4 2024 | $34.5M | $71.4M | 5.68% | 6.59% | 39.39% |
| Q1 2025 | $36.4M | $71.4M | 10.36% | 7.70% | 31.65% |
| Q2 2025 | $35.5M | $60.5M | 13.99% | 7.28% | 28.49% |
| Q3 2025 | $34.6M | $57.8M | 11.84% | 7.01% | 25.43% |
| Q4 2025 | $35.2M | $60.4M | 13.92% | 8.66% | 21.82% |
| Q1 2026 | $34.4M | $50.9M | 12.24% | 9.38% | 17.57% |
| Q2 2026 | $38.6M | $103.8M | 10.83% | 17.18% | 13.41% |
B2 Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock B2 Bank N.A., 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 B2 Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5105) · FFIEC NIC profile (RSSD 108652)