Bank of San Francisco: 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) climbed 24.86 percentage points in Q2 2026, from 217.97% to 242.83%. It was the largest change from Q1 2026 among the key lines here. Within California, Bank of San Francisco is 49th of 114 on loan-to-deposit ratio, 93.94% as of Q2 2026, above the middle of the field. Bank of San Francisco reported 93.94% on loan-to-deposit ratio for Q2 2026, 13.10 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $695.8M |
| Net loans and leases | $687.5M |
| Loans held for sale | $0 |
| Loans to total assets | 80.57% |
| Loan-to-deposit ratio | 93.94% |
| Net loans to equity capital | 7.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.20% |
| Multifamily (5+ residential) | 13.88% |
| Commercial and industrial | 9.90% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 242.83% |
| Construction concentration (Tier 1 capital + allowance) | 12.86% |
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 | — |
| Interest income on loans | $9.6M |
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 | $504.7M | $536.4M | 22.92% | 13.11% | 0.19% |
| Q4 2023 | $501.9M | $535.4M | 22.75% | 12.47% | 0.19% |
| Q1 2024 | $503.6M | $535.2M | 22.66% | 12.51% | 0.18% |
| Q2 2024 | $514.3M | $533.8M | 21.23% | 12.61% | 0.70% |
| Q3 2024 | $519.1M | $555.1M | 22.47% | 11.01% | 0.17% |
| Q4 2024 | $508.0M | $530.7M | 23.23% | 12.05% | 0.25% |
| Q1 2025 | $530.8M | $553.5M | 25.10% | 11.21% | 0.16% |
| Q2 2025 | $550.9M | $582.2M | 25.42% | 10.15% | 0.15% |
| Q3 2025 | $581.4M | $606.0M | 24.21% | 9.56% | 0.14% |
| Q4 2025 | $623.0M | $637.6M | 24.44% | 9.24% | 0.04% |
| Q1 2026 | $637.0M | $670.0M | 25.56% | 9.91% | 0.05% |
| Q2 2026 | $695.8M | $740.7M | 25.20% | 9.90% | 0.04% |
Bank of San Francisco loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of San Francisco, 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 San Francisco profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58069) · FFIEC NIC profile (RSSD 3357385)