California Business Bank: 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.
Construction concentration (tier 1 capital + allowance) climbed 16.71 percentage points in Q2 2026, from 9.02% to 25.73%. It was the largest change from Q1 2026 among the key lines here. Within California, California Business Bank is 68th of 114 on loan-to-deposit ratio, 87.02% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. California Business Bank sits 6.18 points higher, at 87.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $94.4M |
| Net loans and leases | $92.9M |
| Loans held for sale | $0 |
| Loans to total assets | 72.32% |
| Loan-to-deposit ratio | 87.02% |
| Net loans to equity capital | 5.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.91% |
| Multifamily (5+ residential) | 3.19% |
| Commercial and industrial | 30.99% |
| Consumer | 0.45% |
| 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) | 116.53% |
| Construction concentration (Tier 1 capital + allowance) | 25.73% |
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 | 6.78% |
| Interest income on loans | $1.6M |
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 | $77.2M | $90.0M | 66.00% | 19.76% | 2.19% |
| Q4 2023 | $78.6M | $83.8M | 63.62% | 31.21% | 1.99% |
| Q1 2024 | $80.8M | $80.8M | 61.42% | 32.52% | 1.77% |
| Q2 2024 | $78.9M | $83.8M | 63.33% | 31.42% | 1.62% |
| Q3 2024 | $79.4M | $89.5M | 61.81% | 33.11% | 1.49% |
| Q4 2024 | $89.1M | $85.9M | 64.78% | 30.67% | 1.14% |
| Q1 2025 | $86.7M | $89.0M | 65.53% | 29.89% | 1.09% |
| Q2 2025 | $90.6M | $94.3M | 69.56% | 26.29% | 0.83% |
| Q3 2025 | $86.3M | $107.0M | 65.39% | 30.40% | 0.77% |
| Q4 2025 | $90.9M | $100.4M | 60.87% | 34.86% | 0.66% |
| Q1 2026 | $95.7M | $100.4M | 61.18% | 33.09% | 0.58% |
| Q2 2026 | $94.4M | $108.4M | 59.91% | 30.99% | 0.45% |
California Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock California Business Bank, 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58037) · FFIEC NIC profile (RSSD 3390337)