BMW Bank of North America: 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.
Loan-to-deposit ratio dropped 5.69 percentage points in Q2 2026, from 113.15% to 107.46%. It was the largest change from Q1 2026 among the key lines here. BMW Bank of North America ranks 8th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 107.46% (Q2 2026). BMW Bank of North America reported 107.46% on loan-to-deposit ratio for Q2 2026, 20.63 points above the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $10.24B |
| Net loans and leases | $10.19B |
| Loans held for sale | $0 |
| Loans to total assets | 74.19% |
| Loan-to-deposit ratio | 107.46% |
| Net loans to equity capital | 5.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.20% |
| Commercial and industrial | 0.00% |
| Consumer | 99.80% |
| 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) | 1.14% |
| 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 | 6.34% |
| Interest income on loans | $158.6M |
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 | $9.09B | $7.81B | 0.00% | 0.00% | 99.82% |
| Q4 2023 | $9.12B | $7.68B | 0.00% | 0.00% | 99.81% |
| Q1 2024 | $9.20B | $7.60B | 0.00% | 0.00% | 99.80% |
| Q2 2024 | $9.26B | $7.73B | 0.00% | 0.00% | 99.80% |
| Q3 2024 | $9.11B | $7.61B | 0.00% | 0.00% | 99.80% |
| Q4 2024 | $9.38B | $8.20B | 0.00% | 0.00% | 99.80% |
| Q1 2025 | $9.45B | $8.07B | 0.00% | 0.00% | 99.80% |
| Q2 2025 | $9.43B | $7.99B | 0.00% | 0.00% | 99.80% |
| Q3 2025 | $9.46B | $8.07B | 0.00% | 0.00% | 99.80% |
| Q4 2025 | $9.67B | $8.62B | 0.00% | 0.00% | 99.79% |
| Q1 2026 | $9.85B | $8.70B | 0.00% | 0.00% | 99.79% |
| Q2 2026 | $10.24B | $9.52B | 0.00% | 0.00% | 99.80% |
BMW Bank of North America loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BMW Bank of North America, 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 BMW Bank of North America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35141) · FFIEC NIC profile (RSSD 2850722)