Bank of Stockton: 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): 6.83 percentage points lower than in Q1 2026, at 87.74%. Bank of Stockton has the 12th lowest loan-to-deposit ratio of the 114 banks headquartered in California, at 65.33% as of Q2 2026. Bank of Stockton reported 65.33% on loan-to-deposit ratio for Q2 2026, 22.87 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.48B |
| Net loans and leases | $2.40B |
| Loans held for sale | $0 |
| Loans to total assets | 49.67% |
| Loan-to-deposit ratio | 65.33% |
| Net loans to equity capital | 2.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.55% |
| Multifamily (5+ residential) | 6.56% |
| Commercial and industrial | 10.09% |
| Consumer | 8.49% |
| Credit cards | 0.00% |
| Farm | 7.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.74% |
| Construction concentration (Tier 1 capital + allowance) | 10.89% |
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 | 6.34% |
| Interest income on loans | $39.2M |
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 | $2.19B | $3.66B | 36.96% | 10.24% | 12.69% |
| Q4 2023 | $2.22B | $3.68B | 38.14% | 10.27% | 12.49% |
| Q1 2024 | $2.20B | $3.61B | 38.52% | 9.98% | 12.69% |
| Q2 2024 | $2.29B | $3.52B | 39.42% | 9.74% | 12.11% |
| Q3 2024 | $2.36B | $3.50B | 40.29% | 10.08% | 11.59% |
| Q4 2024 | $2.37B | $3.56B | 42.43% | 10.12% | 11.12% |
| Q1 2025 | $2.36B | $3.59B | 42.75% | 10.18% | 10.59% |
| Q2 2025 | $2.38B | $3.67B | 42.23% | 10.58% | 10.14% |
| Q3 2025 | $2.40B | $3.70B | 42.35% | 10.74% | 9.40% |
| Q4 2025 | $2.47B | $3.74B | 43.91% | 10.30% | 8.88% |
| Q1 2026 | $2.46B | $3.75B | 45.36% | 9.94% | 8.67% |
| Q2 2026 | $2.48B | $3.80B | 45.55% | 10.09% | 8.49% |
Bank of Stockton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Stockton, 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 Stockton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1536) · FFIEC NIC profile (RSSD 479268)