Bank of the Orient: 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): 13.59 percentage points higher than in Q1 2026, at 343.92%. Within California, Bank of the Orient is 46th of 114 on loan-to-deposit ratio, 94.26% as of Q2 2026, above the middle of the field. Bank of the Orient reported 94.26% on loan-to-deposit ratio for Q2 2026, 6.06 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $990.7M |
| Net loans and leases | $977.0M |
| Loans held for sale | $0 |
| Loans to total assets | 81.57% |
| Loan-to-deposit ratio | 94.26% |
| Net loans to equity capital | 7.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 65.38% |
| Multifamily (5+ residential) | 10.17% |
| Commercial and industrial | 3.47% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 343.92% |
| Construction concentration (Tier 1 capital + allowance) | 34.94% |
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 | 6.41% |
| Interest income on loans | $15.7M |
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 | $679.9M | $702.6M | 59.64% | 2.52% | 0.00% |
| Q4 2023 | $690.6M | $709.2M | 58.83% | 1.58% | 0.00% |
| Q1 2024 | $718.1M | $737.4M | 60.54% | 1.34% | 0.00% |
| Q2 2024 | $761.3M | $785.0M | 61.90% | 1.41% | 0.00% |
| Q3 2024 | $787.7M | $815.2M | 63.97% | 1.54% | 0.00% |
| Q4 2024 | $796.3M | $807.7M | 63.20% | 1.40% | 0.00% |
| Q1 2025 | $805.7M | $825.2M | 64.06% | 1.26% | 0.00% |
| Q2 2025 | $832.9M | $865.1M | 63.36% | 1.85% | 0.00% |
| Q3 2025 | $874.1M | $892.6M | 64.68% | 1.72% | 0.00% |
| Q4 2025 | $953.1M | $953.5M | 63.33% | 3.40% | 0.00% |
| Q1 2026 | $970.9M | $996.3M | 63.42% | 3.32% | 0.00% |
| Q2 2026 | $990.7M | $1.05B | 65.38% | 3.47% | 0.00% |
Bank of the Orient loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Orient, 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 the Orient profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20387) · FFIEC NIC profile (RSSD 777366)