California Bank of Commerce, 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 4.52 percentage points in Q2 2026, from 319.00% to 323.52%. It was the largest change from Q1 2026 among the key lines here. California Bank of Commerce, N.A. ranks 53rd of 114 California banks on loan-to-deposit ratio, in the upper half at 92.49% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. California Bank of Commerce, N.A. sits 4.29 points higher, at 92.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.11B |
| Net loans and leases | $3.08B |
| Loans held for sale | $15.8M |
| Loans to total assets | 77.32% |
| Loan-to-deposit ratio | 92.49% |
| Net loans to equity capital | 4.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 61.27% |
| Multifamily (5+ residential) | 9.20% |
| Commercial and industrial | 18.28% |
| Consumer | 0.59% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 323.52% |
| Construction concentration (Tier 1 capital + allowance) | 25.22% |
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 | $48.0M |
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 | $1.94B | $1.99B | 52.63% | 16.29% | 0.14% |
| Q4 2023 | $1.96B | $1.95B | 52.11% | 16.60% | 0.22% |
| Q1 2024 | $1.89B | $1.93B | 54.28% | 14.98% | 0.15% |
| Q2 2024 | $1.88B | $1.94B | 55.39% | 15.30% | 0.02% |
| Q3 2024 | $3.23B | $3.75B | 54.28% | 24.64% | 0.80% |
| Q4 2024 | $3.16B | $3.40B | 56.04% | 22.94% | 0.78% |
| Q1 2025 | $3.07B | $3.35B | 57.04% | 22.03% | 0.77% |
| Q2 2025 | $3.00B | $3.33B | 59.28% | 20.48% | 0.76% |
| Q3 2025 | $3.00B | $3.48B | 58.72% | 20.08% | 0.75% |
| Q4 2025 | $3.06B | $3.39B | 59.48% | 18.81% | 0.64% |
| Q1 2026 | $3.00B | $3.40B | 61.65% | 18.54% | 0.62% |
| Q2 2026 | $3.11B | $3.36B | 61.27% | 18.28% | 0.59% |
California Bank of Commerce, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock California Bank of Commerce, 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 California Bank of Commerce, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57044) · FFIEC NIC profile (RSSD 3076453)