Bank of Whittier, N.A.: 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 7.06 percentage points in Q2 2026, from 90.48% to 97.54%. It was the largest change from Q1 2026 among the key lines here. Bank of Whittier, N.A. ranks 99th of 114 California banks on loan-to-deposit ratio, in the lower half at 69.24% (Q2 2026). Bank of Whittier, N.A. reported 69.24% on loan-to-deposit ratio for Q2 2026, 11.60 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.7M |
| Net loans and leases | $84.2M |
| Loans held for sale | $0 |
| Loans to total assets | 56.80% |
| Loan-to-deposit ratio | 69.24% |
| Net loans to equity capital | 3.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 61.74% |
| Multifamily (5+ residential) | 5.46% |
| Commercial and industrial | 0.34% |
| Consumer | 0.95% |
| 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) | 97.54% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $1.2M |
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 | $73.4M | $146.9M | 52.59% | 0.53% | 1.60% |
| Q4 2023 | $74.8M | $151.2M | 52.04% | 0.51% | 1.74% |
| Q1 2024 | $73.8M | $150.8M | 53.40% | 0.51% | 1.72% |
| Q2 2024 | $77.5M | $147.0M | 53.92% | 0.47% | 1.66% |
| Q3 2024 | $84.5M | $157.8M | 57.72% | 0.42% | 1.62% |
| Q4 2024 | $85.5M | $156.0M | 56.90% | 0.41% | 1.46% |
| Q1 2025 | $84.7M | $147.9M | 56.83% | 0.40% | 1.29% |
| Q2 2025 | $86.5M | $147.9M | 56.39% | 0.38% | 1.10% |
| Q3 2025 | $84.5M | $141.2M | 57.28% | 0.38% | 1.18% |
| Q4 2025 | $84.8M | $141.6M | 59.26% | 0.37% | 1.10% |
| Q1 2026 | $86.2M | $131.0M | 60.99% | 0.36% | 1.03% |
| Q2 2026 | $86.7M | $125.2M | 61.74% | 0.34% | 0.95% |
Bank of Whittier, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Whittier, N.A., 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 Whittier, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24211) · FFIEC NIC profile (RSSD 209362)