Bank Irvine: 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): 17.22 percentage points higher than in Q1 2026, at 110.73%. Within California, Bank Irvine is 19th of 114 on loan-to-deposit ratio, 101.62% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bank Irvine sits 21.07 points higher, at 101.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $238.6M |
| Net loans and leases | $235.7M |
| Loans held for sale | $0 |
| Loans to total assets | 78.05% |
| Loan-to-deposit ratio | 101.62% |
| Net loans to equity capital | 3.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.20% |
| Multifamily (5+ residential) | 1.59% |
| Commercial and industrial | 11.87% |
| 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) | 110.73% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.51% |
| Interest income on loans | $3.7M |
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 | $87.7M | $136.7M | 31.91% | 9.12% | 0.00% |
| Q4 2023 | $129.7M | $169.0M | 30.48% | 6.16% | 0.00% |
| Q1 2024 | $134.1M | $138.5M | 29.41% | 5.79% | 0.00% |
| Q2 2024 | $148.5M | $161.0M | 28.50% | 5.29% | 0.00% |
| Q3 2024 | $173.2M | $183.9M | 28.94% | 4.54% | 0.00% |
| Q4 2024 | $174.6M | $182.3M | 28.64% | 4.79% | 0.00% |
| Q1 2025 | $191.5M | $175.9M | 28.69% | 6.71% | 0.00% |
| Q2 2025 | $188.7M | $164.2M | 29.01% | 6.81% | 0.00% |
| Q3 2025 | $192.9M | $178.9M | 29.78% | 5.50% | 0.00% |
| Q4 2025 | $219.1M | $216.6M | 30.66% | 9.12% | 0.00% |
| Q1 2026 | $215.7M | $236.0M | 29.12% | 5.37% | 0.00% |
| Q2 2026 | $238.6M | $234.7M | 26.20% | 11.87% | 0.00% |
Bank Irvine loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Irvine, 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 Bank Irvine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59296) · FFIEC NIC profile (RSSD 5788705)