C3bank, 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 17.21 percentage points lower than in Q1 2026, at 356.35%. C3bank, N.A. ranks 96th of 114 California banks on loan-to-deposit ratio, in the lower half at 71.98% (Q2 2026). C3bank, N.A. reported 71.98% on loan-to-deposit ratio for Q2 2026, 8.85 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $602.0M |
| Net loans and leases | $593.7M |
| Loans held for sale | $0 |
| Loans to total assets | 63.42% |
| Loan-to-deposit ratio | 71.98% |
| Net loans to equity capital | 6.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.88% |
| Multifamily (5+ residential) | 13.86% |
| Commercial and industrial | 2.49% |
| Consumer | 0.00% |
| 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) | 356.35% |
| Construction concentration (Tier 1 capital + allowance) | 34.48% |
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 | 5.98% |
| Interest income on loans | $9.0M |
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 | $577.2M | $722.2M | 52.20% | 3.44% | 0.00% |
| Q4 2023 | $568.9M | $750.0M | 52.17% | 3.08% | 0.00% |
| Q1 2024 | $573.4M | $742.7M | 51.61% | 3.14% | 0.00% |
| Q2 2024 | $607.0M | $669.3M | 51.53% | 2.99% | 0.00% |
| Q3 2024 | $586.5M | $707.1M | 53.70% | 2.10% | 0.00% |
| Q4 2024 | $562.9M | $848.1M | 53.52% | 2.25% | 0.00% |
| Q1 2025 | $549.5M | $824.6M | 51.46% | 2.20% | 0.00% |
| Q2 2025 | $574.7M | $848.9M | 49.38% | 2.05% | 0.00% |
| Q3 2025 | $584.5M | $825.6M | 47.64% | 2.31% | 0.00% |
| Q4 2025 | $607.5M | $885.8M | 49.40% | 2.15% | 0.00% |
| Q1 2026 | $605.5M | $771.0M | 49.45% | 2.38% | 0.00% |
| Q2 2026 | $602.0M | $836.4M | 47.88% | 2.49% | 0.00% |
C3bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock C3bank, 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 C3bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25249) · FFIEC NIC profile (RSSD 754068)