Central 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 14.26 percentage points lower than in Q1 2026, at 163.52%. Within Utah, Central Bank is 31st of 44 on loan-to-deposit ratio, 76.76% as of Q2 2026. Central Bank reported 76.76% on loan-to-deposit ratio for Q2 2026, 11.44 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.36B |
| Net loans and leases | $1.32B |
| Loans held for sale | $11.7M |
| Loans to total assets | 63.06% |
| Loan-to-deposit ratio | 76.76% |
| Net loans to equity capital | 4.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.09% |
| Multifamily (5+ residential) | 3.47% |
| Commercial and industrial | 7.76% |
| Consumer | 0.95% |
| Credit cards | 0.02% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 163.52% |
| Construction concentration (Tier 1 capital + allowance) | 91.02% |
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 | 8.29% |
| Interest income on loans | $28.6M |
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 | $1.11B | $1.51B | 39.18% | 8.43% | 1.52% |
| Q4 2023 | $1.16B | $1.44B | 39.98% | 8.14% | 1.40% |
| Q1 2024 | $1.18B | $1.48B | 41.40% | 8.18% | 1.37% |
| Q2 2024 | $1.23B | $1.51B | 40.54% | 8.46% | 1.32% |
| Q3 2024 | $1.29B | $1.52B | 41.68% | 8.38% | 1.30% |
| Q4 2024 | $1.32B | $1.50B | 40.95% | 8.47% | 1.17% |
| Q1 2025 | $1.32B | $1.63B | 41.95% | 8.44% | 1.15% |
| Q2 2025 | $1.36B | $1.65B | 41.33% | 8.43% | 1.08% |
| Q3 2025 | $1.40B | $1.70B | 40.67% | 8.39% | 0.98% |
| Q4 2025 | $1.37B | $1.68B | 41.15% | 8.08% | 0.93% |
| Q1 2026 | $1.37B | $1.77B | 40.26% | 7.75% | 0.95% |
| Q2 2026 | $1.36B | $1.78B | 42.09% | 7.76% | 0.95% |
Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9204) · FFIEC NIC profile (RSSD 622774)