Chino Commercial Bank, 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) dropped 4.61 percentage points in Q2 2026, from 200.38% to 195.77%. It was the largest change from Q1 2026 among the key lines here. Chino Commercial Bank, N.A. has the 9th lowest loan-to-deposit ratio of the 114 banks headquartered in California, at 60.23% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Chino Commercial Bank, N.A. sits 20.61 points lower, at 60.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $239.3M |
| Net loans and leases | $234.1M |
| Loans held for sale | $0 |
| Loans to total assets | 46.31% |
| Loan-to-deposit ratio | 60.23% |
| Net loans to equity capital | 4.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 76.85% |
| Multifamily (5+ residential) | 6.79% |
| Commercial and industrial | 1.80% |
| Consumer | 0.28% |
| 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) | 195.77% |
| Construction concentration (Tier 1 capital + allowance) | 20.27% |
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 | $3.9M |
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 | $177.7M | $347.8M | 81.97% | 1.16% | 0.07% |
| Q4 2023 | $178.8M | $326.4M | 81.21% | 1.81% | 0.08% |
| Q1 2024 | $180.0M | $341.9M | 82.50% | 1.70% | 0.07% |
| Q2 2024 | $194.0M | $346.6M | 77.29% | 1.91% | 0.06% |
| Q3 2024 | $193.9M | $373.2M | 77.75% | 1.61% | 0.05% |
| Q4 2024 | $204.7M | $355.8M | 77.11% | 2.27% | 0.17% |
| Q1 2025 | $207.7M | $374.3M | 77.82% | 1.92% | 0.33% |
| Q2 2025 | $205.7M | $378.8M | 76.33% | 1.71% | 0.32% |
| Q3 2025 | $209.3M | $392.4M | 77.21% | 2.09% | 0.31% |
| Q4 2025 | $219.1M | $376.5M | 75.91% | 3.01% | 0.31% |
| Q1 2026 | $232.1M | $388.1M | 74.56% | 3.16% | 0.27% |
| Q2 2026 | $239.3M | $397.2M | 76.85% | 1.80% | 0.28% |
Chino Commercial Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Chino Commercial Bank, 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 Chino Commercial Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35366) · FFIEC NIC profile (RSSD 2925620)