Bank of Hope: 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 Loan-to-deposit ratio: 1.00 percentage points higher than in Q1 2026, at 94.44%. Bank of Hope ranks 44th of 114 California banks on loan-to-deposit ratio, in the upper half at 94.44% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Bank of Hope sits 7.61 points higher, at 94.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.03B |
| Net loans and leases | $14.88B |
| Loans held for sale | $92.7M |
| Loans to total assets | 79.18% |
| Loan-to-deposit ratio | 94.44% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.30% |
| Multifamily (5+ residential) | 7.61% |
| Commercial and industrial | 17.92% |
| Consumer | 0.21% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 276.25% |
| Construction concentration (Tier 1 capital + allowance) | 10.00% |
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 | 5.72% |
| Interest income on loans | $211.1M |
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 | $14.33B | $15.77B | 52.64% | 26.45% | 0.21% |
| Q4 2023 | $13.86B | $14.78B | 54.09% | 24.69% | 0.21% |
| Q1 2024 | $13.72B | $14.78B | 53.78% | 24.15% | 0.19% |
| Q2 2024 | $13.64B | $14.73B | 54.00% | 22.56% | 0.19% |
| Q3 2024 | $13.64B | $14.75B | 53.81% | 22.78% | 0.22% |
| Q4 2024 | $13.63B | $14.35B | 53.35% | 22.90% | 0.25% |
| Q1 2025 | $13.34B | $14.51B | 53.78% | 22.27% | 0.27% |
| Q2 2025 | $14.45B | $15.96B | 49.57% | 19.90% | 0.21% |
| Q3 2025 | $14.62B | $15.85B | 49.89% | 18.95% | 0.19% |
| Q4 2025 | $14.79B | $15.62B | 50.14% | 18.46% | 0.20% |
| Q1 2026 | $14.74B | $15.77B | 50.32% | 18.17% | 0.21% |
| Q2 2026 | $15.03B | $15.92B | 50.30% | 17.92% | 0.21% |
Bank of Hope loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hope, 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 Hope profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26610) · FFIEC NIC profile (RSSD 671464)