Bankers' 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 Construction concentration (Tier 1 capital + allowance): 7.13 percentage points lower than in Q1 2026, at 103.86%. As of Q2 2026, Bankers' Bank of the West ranks first in Colorado on loan-to-deposit ratio among 63 banks, at 135.13%. Bankers' Bank of the West's loan-to-deposit ratio of 135.13% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 54.29 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $337.2M |
| Net loans and leases | $331.4M |
| Loans held for sale | $0 |
| Loans to total assets | 77.77% |
| Loan-to-deposit ratio | 135.13% |
| Net loans to equity capital | 5.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.46% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 1.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 285.49% |
| Construction concentration (Tier 1 capital + allowance) | 103.86% |
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 | 6.51% |
| Interest income on loans | $5.3M |
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 | $317.0M | $261.9M | 50.11% | 18.87% | 0.00% |
| Q4 2023 | $301.5M | $259.4M | 49.35% | 16.80% | 0.00% |
| Q1 2024 | $315.4M | $329.5M | 49.80% | 16.98% | 0.00% |
| Q2 2024 | $320.9M | $231.5M | 46.83% | 18.04% | 0.00% |
| Q3 2024 | $322.6M | $227.8M | 45.34% | 19.28% | 0.00% |
| Q4 2024 | $315.7M | $292.0M | 44.29% | 17.40% | 0.00% |
| Q1 2025 | $326.0M | $277.2M | 44.61% | 16.24% | 0.00% |
| Q2 2025 | $335.7M | $269.4M | 44.17% | 16.03% | 0.00% |
| Q3 2025 | $335.9M | $267.5M | 43.92% | 15.38% | 0.00% |
| Q4 2025 | $335.7M | $247.0M | 42.64% | 14.43% | 0.00% |
| Q1 2026 | $331.8M | $249.8M | 46.01% | 12.77% | 0.00% |
| Q2 2026 | $337.2M | $249.5M | 45.23% | 14.46% | 0.00% |
Bankers' Bank of the West loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' 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 Bankers' Bank of the West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23210) · FFIEC NIC profile (RSSD 732758)