Banesco USA: 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) dropped 21.74 percentage points in Q2 2026, from 230.70% to 208.96%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Banesco USA is 42nd of 81 on loan-to-deposit ratio, 76.68% as of Q2 2026. Banesco USA reported 76.68% on loan-to-deposit ratio for Q2 2026, 11.52 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.96B |
| Net loans and leases | $3.93B |
| Loans held for sale | $0 |
| Loans to total assets | 66.27% |
| Loan-to-deposit ratio | 76.68% |
| Net loans to equity capital | 6.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.11% |
| Multifamily (5+ residential) | 4.75% |
| Commercial and industrial | 19.67% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 208.96% |
| Construction concentration (Tier 1 capital + allowance) | 23.09% |
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 | 6.24% |
| Interest income on loans | $62.5M |
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 | $2.79B | $2.68B | 42.71% | 8.16% | 0.01% |
| Q4 2023 | $2.88B | $2.97B | 41.95% | 10.17% | 0.01% |
| Q1 2024 | $3.00B | $3.21B | 41.52% | 10.78% | 0.01% |
| Q2 2024 | $3.15B | $3.42B | 40.18% | 13.18% | 0.01% |
| Q3 2024 | $3.16B | $3.41B | 40.85% | 12.94% | 0.01% |
| Q4 2024 | $3.32B | $3.62B | 39.87% | 14.11% | 0.01% |
| Q1 2025 | $3.37B | $3.84B | 39.57% | 14.54% | 0.00% |
| Q2 2025 | $3.66B | $4.29B | 38.30% | 18.25% | 0.00% |
| Q3 2025 | $3.71B | $4.56B | 37.68% | 19.22% | 0.00% |
| Q4 2025 | $3.88B | $4.58B | 37.75% | 19.56% | 0.00% |
| Q1 2026 | $4.07B | $4.83B | 37.84% | 19.01% | 0.00% |
| Q2 2026 | $3.96B | $5.17B | 36.11% | 19.67% | 0.00% |
Banesco USA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Banesco USA, 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 Banesco USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57815) · FFIEC NIC profile (RSSD 3402913)