Bank of Commerce: 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 2.59 percentage points in Q2 2026, from 123.66% to 121.07%. It was the largest change from Q1 2026 among the key lines here. Bank of Commerce ranks 15th of 23 Wyoming banks on loan-to-deposit ratio, in the lower half at 60.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Commerce sits 19.95 points lower, at 60.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $115.4M |
| Net loans and leases | $113.7M |
| Loans held for sale | $0 |
| Loans to total assets | 53.38% |
| Loan-to-deposit ratio | 60.99% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.68% |
| Multifamily (5+ residential) | 6.38% |
| Commercial and industrial | 14.64% |
| Consumer | 7.14% |
| Credit cards | 0.00% |
| Farm | 7.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.07% |
| Construction concentration (Tier 1 capital + allowance) | 51.81% |
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 | 7.18% |
| Interest income on loans | $2.0M |
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 | $105.2M | $183.2M | 29.93% | 14.85% | 4.69% |
| Q4 2023 | $99.6M | $181.4M | 32.10% | 13.14% | 5.46% |
| Q1 2024 | $99.9M | $176.6M | 31.61% | 12.45% | 5.96% |
| Q2 2024 | $101.0M | $174.9M | 29.72% | 13.66% | 6.47% |
| Q3 2024 | $103.0M | $176.9M | 28.18% | 14.72% | 7.03% |
| Q4 2024 | $102.4M | $183.4M | 25.93% | 13.35% | 7.41% |
| Q1 2025 | $105.3M | $178.1M | 24.08% | 14.23% | 7.55% |
| Q2 2025 | $107.7M | $175.1M | 23.52% | 14.11% | 7.30% |
| Q3 2025 | $112.5M | $186.2M | 24.99% | 14.65% | 7.15% |
| Q4 2025 | $108.9M | $190.6M | 23.75% | 12.44% | 7.05% |
| Q1 2026 | $112.5M | $191.0M | 22.97% | 12.38% | 6.99% |
| Q2 2026 | $115.4M | $189.3M | 22.68% | 14.64% | 7.14% |
Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, 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 of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22639) · FFIEC NIC profile (RSSD 547550)