California Pacific 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 2.24 percentage points in Q2 2026, from 46.60% to 48.84%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, California Pacific Bank ranks 3rd highest among the 114 banks headquartered in California, at 144.08% (Q2 2026). California Pacific Bank's loan-to-deposit ratio of 144.08% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 63.24 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.2M |
| Net loans and leases | $79.3M |
| Loans held for sale | $0 |
| Loans to total assets | 83.09% |
| Loan-to-deposit ratio | 144.08% |
| Net loans to equity capital | 1.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.98% |
| Multifamily (5+ residential) | 5.27% |
| Commercial and industrial | 4.81% |
| 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) | 105.75% |
| Construction concentration (Tier 1 capital + allowance) | 48.84% |
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 | $1.4M |
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 | $62.6M | $42.2M | 58.91% | 5.11% | 0.00% |
| Q4 2023 | $64.3M | $44.4M | 57.20% | 5.44% | 0.00% |
| Q1 2024 | $60.3M | $43.7M | 63.20% | 5.42% | 0.00% |
| Q2 2024 | $60.0M | $47.5M | 63.68% | 5.22% | 0.00% |
| Q3 2024 | $65.5M | $45.7M | 56.27% | 7.94% | 0.00% |
| Q4 2024 | $65.0M | $42.3M | 61.41% | 6.53% | 0.00% |
| Q1 2025 | $69.7M | $41.7M | 59.48% | 4.21% | 0.00% |
| Q2 2025 | $75.0M | $56.2M | 55.65% | 3.77% | 0.00% |
| Q3 2025 | $74.4M | $55.8M | 55.47% | 3.61% | 0.00% |
| Q4 2025 | $78.4M | $55.3M | 52.82% | 3.55% | 0.00% |
| Q1 2026 | $82.2M | $57.9M | 49.73% | 5.05% | 0.00% |
| Q2 2026 | $85.2M | $59.2M | 47.98% | 4.81% | 0.00% |
California Pacific Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock California Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23242) · FFIEC NIC profile (RSSD 50461)