The 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.30 percentage points higher than in Q1 2026, at 179.83%. The Bank of Commerce has the highest loan-to-deposit ratio of the 10 banks headquartered in Idaho, 91.42% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Bank of Commerce sits 3.22 points higher, at 91.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.77B |
| Net loans and leases | $1.74B |
| Loans held for sale | $1.0M |
| Loans to total assets | 75.39% |
| Loan-to-deposit ratio | 91.42% |
| Net loans to equity capital | 5.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.81% |
| Multifamily (5+ residential) | 5.23% |
| Commercial and industrial | 14.48% |
| Consumer | 0.53% |
| Credit cards | 0.00% |
| Farm | 8.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 179.83% |
| Construction concentration (Tier 1 capital + allowance) | 59.10% |
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 | 7.08% |
| Interest income on loans | $30.6M |
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 | $1.29B | $1.66B | 32.68% | 14.86% | 0.76% |
| Q4 2023 | $1.34B | $1.74B | 31.62% | 14.23% | 0.72% |
| Q1 2024 | $1.34B | $1.70B | 33.65% | 14.22% | 0.70% |
| Q2 2024 | $1.39B | $1.71B | 33.17% | 14.03% | 0.69% |
| Q3 2024 | $1.40B | $1.76B | 34.51% | 14.51% | 0.66% |
| Q4 2024 | $1.44B | $1.81B | 33.12% | 14.66% | 0.67% |
| Q1 2025 | $1.42B | $1.85B | 34.99% | 15.59% | 0.62% |
| Q2 2025 | $1.53B | $1.81B | 35.96% | 14.79% | 0.58% |
| Q3 2025 | $1.56B | $1.90B | 38.23% | 14.19% | 0.56% |
| Q4 2025 | $1.64B | $1.91B | 36.62% | 14.00% | 0.53% |
| Q1 2026 | $1.69B | $1.91B | 36.64% | 14.52% | 0.50% |
| Q2 2026 | $1.77B | $1.93B | 34.81% | 14.48% | 0.53% |
The Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18059) · FFIEC NIC profile (RSSD 324863)