Bank of the Sierra: 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): 2.83 percentage points lower than in Q1 2026, at 235.84%. Within California, Bank of the Sierra is 77th of 114 on loan-to-deposit ratio, 83.67% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of the Sierra sits 4.53 points lower, at 83.67% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.46B |
| Net loans and leases | $2.43B |
| Loans held for sale | $0 |
| Loans to total assets | 66.05% |
| Loan-to-deposit ratio | 83.67% |
| Net loans to equity capital | 5.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.36% |
| Multifamily (5+ residential) | 5.22% |
| Commercial and industrial | 4.69% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 2.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 235.84% |
| Construction concentration (Tier 1 capital + allowance) | 3.39% |
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 | 5.21% |
| Interest income on loans | $31.2M |
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 | $2.10B | $2.88B | 56.75% | 4.72% | 0.20% |
| Q4 2023 | $2.09B | $2.77B | 57.20% | 4.75% | 0.20% |
| Q1 2024 | $2.16B | $2.87B | 55.29% | 3.48% | 0.18% |
| Q2 2024 | $2.23B | $2.96B | 52.93% | 3.49% | 0.16% |
| Q3 2024 | $2.32B | $2.97B | 51.91% | 3.73% | 0.15% |
| Q4 2024 | $2.33B | $2.90B | 52.65% | 4.12% | 0.14% |
| Q1 2025 | $2.31B | $2.85B | 54.23% | 4.56% | 0.13% |
| Q2 2025 | $2.43B | $2.98B | 51.91% | 4.73% | 0.12% |
| Q3 2025 | $2.49B | $2.94B | 51.16% | 4.61% | 0.12% |
| Q4 2025 | $2.55B | $2.88B | 49.48% | 4.83% | 0.11% |
| Q1 2026 | $2.47B | $2.93B | 50.73% | 4.55% | 0.11% |
| Q2 2026 | $2.46B | $2.94B | 51.36% | 4.69% | 0.10% |
Bank of the Sierra loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Sierra, 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 Sierra profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22597) · FFIEC NIC profile (RSSD 662369)