City National 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.
Loans held for sale dropped 52.6% in Q2 2026, from $12.5M to $5.9M. It was the largest change from Q1 2026 among the key lines here. City National Bank ranks 73rd of 114 California banks on loan-to-deposit ratio, in the lower half at 84.83% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; City National Bank reported 84.83% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.14B |
| Net loans and leases | $68.46B |
| Loans held for sale | $5.9M |
| Loans to total assets | 69.77% |
| Loan-to-deposit ratio | 84.83% |
| Net loans to equity capital | 6.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.86% |
| Multifamily (5+ residential) | 3.88% |
| Commercial and industrial | 15.76% |
| Consumer | 0.35% |
| Credit cards | 0.10% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 118.11% |
| Construction concentration (Tier 1 capital + allowance) | 26.43% |
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 | 5.28% |
| Interest income on loans | $833.4M |
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 | $65.72B | $77.38B | 15.56% | 17.08% | 0.87% |
| Q4 2023 | $64.22B | $75.60B | 15.96% | 16.69% | 0.83% |
| Q1 2024 | $63.34B | $76.79B | 15.92% | 16.62% | 0.79% |
| Q2 2024 | $63.58B | $76.41B | 15.83% | 16.48% | 0.72% |
| Q3 2024 | $62.69B | $76.70B | 15.94% | 16.12% | 0.69% |
| Q4 2024 | $62.94B | $76.62B | 15.43% | 16.30% | 0.54% |
| Q1 2025 | $63.82B | $76.49B | 15.32% | 16.16% | 0.47% |
| Q2 2025 | $65.03B | $77.76B | 15.34% | 16.07% | 0.45% |
| Q3 2025 | $66.40B | $80.22B | 15.54% | 15.92% | 0.42% |
| Q4 2025 | $68.88B | $78.54B | 15.43% | 15.40% | 0.42% |
| Q1 2026 | $69.51B | $81.07B | 15.50% | 15.60% | 0.34% |
| Q2 2026 | $69.14B | $81.51B | 15.86% | 15.76% | 0.35% |
City National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City National 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 City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17281) · FFIEC NIC profile (RSSD 63069)