Bank of the West: 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): 10.70 percentage points higher than in Q1 2026, at 225.20%. Bank of the West ranks 205th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 67.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of the West sits 13.45 points lower, at 67.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $503.4M |
| Net loans and leases | $498.0M |
| Loans held for sale | $784K |
| Loans to total assets | 60.67% |
| Loan-to-deposit ratio | 67.39% |
| Net loans to equity capital | 6.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.44% |
| Multifamily (5+ residential) | 1.49% |
| Commercial and industrial | 7.64% |
| Consumer | 0.53% |
| Credit cards | 0.00% |
| Farm | 1.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 225.20% |
| Construction concentration (Tier 1 capital + allowance) | 117.26% |
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 | 7.11% |
| Interest income on loans | $8.9M |
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 | $450.9M | $701.0M | 47.43% | 13.86% | 0.89% |
| Q4 2023 | $446.7M | $720.1M | 46.18% | 14.42% | 0.94% |
| Q1 2024 | $445.6M | $759.4M | 46.73% | 13.43% | 1.08% |
| Q2 2024 | $464.6M | $710.0M | 47.40% | 11.97% | 0.99% |
| Q3 2024 | $469.4M | $726.6M | 46.04% | 12.23% | 0.86% |
| Q4 2024 | $484.7M | $729.5M | 46.15% | 10.81% | 0.77% |
| Q1 2025 | $496.6M | $719.1M | 45.98% | 10.38% | 0.72% |
| Q2 2025 | $513.9M | $686.9M | 46.72% | 9.19% | 0.65% |
| Q3 2025 | $517.5M | $731.1M | 44.77% | 8.52% | 0.64% |
| Q4 2025 | $509.1M | $748.1M | 43.73% | 8.37% | 0.64% |
| Q1 2026 | $497.9M | $720.7M | 42.09% | 8.16% | 0.62% |
| Q2 2026 | $503.4M | $747.1M | 43.44% | 7.64% | 0.53% |
Bank of the West loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the West, 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 West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26627) · FFIEC NIC profile (RSSD 859552)