Champion 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 largest change between Q1 2026 and Q2 2026 was in Loan-to-deposit ratio, which fell 0.50 percentage points to 56.18%. On loan-to-deposit ratio, Champion Bank is 7th from the bottom among 63 Colorado banks, 56.18% (Q2 2026). Champion Bank reported 56.18% on loan-to-deposit ratio for Q2 2026, 11.74 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.2M |
| Net loans and leases | $13.8M |
| Loans held for sale | $0 |
| Loans to total assets | 34.06% |
| Loan-to-deposit ratio | 56.18% |
| Net loans to equity capital | 0.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 87.06% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.13% |
| 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) | 9.77% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.42% |
| Interest income on loans | $264K |
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 | $11.6M | $33.1M | 79.91% | 2.50% | 0.16% |
| Q4 2023 | $12.7M | $31.8M | 81.21% | 2.05% | 0.15% |
| Q1 2024 | $13.7M | $30.8M | 81.58% | 1.60% | 0.12% |
| Q2 2024 | $14.6M | $29.6M | 80.79% | 1.29% | 0.11% |
| Q3 2024 | $14.6M | $28.3M | 80.42% | 1.05% | 0.13% |
| Q4 2024 | $14.2M | $27.5M | 77.01% | 0.80% | 0.73% |
| Q1 2025 | $14.5M | $31.8M | 75.30% | 0.55% | 0.08% |
| Q2 2025 | $15.3M | $31.8M | 70.59% | 0.36% | 0.07% |
| Q3 2025 | $14.5M | $29.8M | 74.26% | 0.31% | 0.01% |
| Q4 2025 | $15.2M | $29.4M | 73.48% | 0.00% | 0.03% |
| Q1 2026 | $14.2M | $25.1M | 87.11% | 0.00% | 0.06% |
| Q2 2026 | $14.2M | $25.3M | 87.06% | 0.00% | 0.13% |
Champion Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Champion 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 Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57031) · FFIEC NIC profile (RSSD 2901558)