Banner Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Banner Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $13.03B in Q3 2026, up 11.1% from $11.72B in Q3 2025. That is 72.1% of its total assets. Across the 12 quarters shown it ranged from $10.82B (Q4 2023) to $13.03B (Q3 2026).
What the loan portfolio page covers and where each line comes from.
Loan-to-deposit ratio dropped 2.44 percentage points in Q3 2026, from 86.57% to 84.14%. It was the largest change from Q2 2026 among the key lines here. Banner Bank ranks 18th of 28 Washington banks on loan-to-deposit ratio, in the lower half at 84.14% (Q3 2026). At 84.14%, Banner Bank's loan-to-deposit ratio is close to the 85.97% median for banks in the $10B-100B asset tier (Q3 2026).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $13.03B |
| Net loans and leases | $12.86B |
| Loans held for sale | $32.7M |
| Loans to total assets | 72.07% |
| Loan-to-deposit ratio | 84.14% |
| Net loans to equity capital | 6.05× |
Source: Call Report Schedule RC-C; Total loans and leases: Call Report Schedule RC-C, Part I, item 12 (RCON2122). Open the filed call report for Q3 2026 on the FFIEC CDR.
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.49% |
| Multifamily (5+ residential) | 8.69% |
| Commercial and industrial | 8.70% |
| Consumer | 0.98% |
| Credit cards | 0.16% |
| Farm | 1.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.18% |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 259.29% |
| Construction concentration (Tier 1 capital + allowance) | 85.15% |
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.
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.12% |
| Interest income on loans | $188.6M |
Source: Call Report Schedule RC-C. Open the filed call report for Q3 2026 on the FFIEC CDR.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $10.82B | $13.14B | 37.66% | 10.32% | 1.02% |
| Q1 2024 | $10.88B | $13.27B | 37.33% | 10.31% | 0.98% |
| Q2 2024 | $11.16B | $13.14B | 37.05% | 10.31% | 0.93% |
| Q3 2024 | $11.30B | $13.61B | 37.57% | 10.02% | 0.90% |
| Q4 2024 | $11.39B | $13.59B | 38.20% | 10.16% | 0.84% |
| Q1 2025 | $11.46B | $13.68B | 37.81% | 9.72% | 0.84% |
| Q2 2025 | $11.73B | $13.59B | 38.28% | 9.65% | 0.79% |
| Q3 2025 | $11.72B | $14.08B | 38.73% | 9.06% | 0.78% |
| Q4 2025 | $11.76B | $13.81B | 39.18% | 8.76% | 0.76% |
| Q1 2026 | $11.74B | $13.93B | 39.89% | 8.85% | 0.78% |
| Q2 2026 | $12.02B | $13.89B | 39.95% | 9.08% | 0.69% |
| Q3 2026 | $13.03B | $15.48B | 40.49% | 8.70% | 0.98% |
Banner Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. How these pages are built. See the full Banner Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28489) · FFIEC NIC profile (RSSD 352772)