City National Bank of Florida: 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 Construction concentration (Tier 1 capital + allowance): 5.12 percentage points lower than in Q1 2026, at 46.60%. Within Florida, City National Bank of Florida is 15th of 81 on loan-to-deposit ratio, 93.21% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. City National Bank of Florida sits 6.38 points higher, at 93.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.60B |
| Net loans and leases | $20.38B |
| Loans held for sale | $18.2M |
| Loans to total assets | 70.78% |
| Loan-to-deposit ratio | 93.21% |
| Net loans to equity capital | 6.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.83% |
| Multifamily (5+ residential) | 7.04% |
| Commercial and industrial | 14.56% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.49% |
| Construction concentration (Tier 1 capital + allowance) | 46.60% |
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 | 5.90% |
| Interest income on loans | $300.5M |
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 | $17.62B | $21.48B | 44.92% | 16.78% | 0.34% |
| Q4 2023 | $17.56B | $21.04B | 44.80% | 16.51% | 0.36% |
| Q1 2024 | $17.46B | $21.06B | 43.03% | 16.11% | 0.37% |
| Q2 2024 | $17.71B | $20.97B | 41.92% | 16.44% | 0.34% |
| Q3 2024 | $18.09B | $20.71B | 41.32% | 16.74% | 0.34% |
| Q4 2024 | $18.38B | $20.86B | 40.46% | 13.85% | 0.36% |
| Q1 2025 | $18.95B | $21.97B | 40.53% | 14.50% | 0.30% |
| Q2 2025 | $19.14B | $21.53B | 40.29% | 14.31% | 0.28% |
| Q3 2025 | $19.81B | $21.95B | 38.80% | 13.76% | 0.30% |
| Q4 2025 | $19.86B | $21.94B | 37.93% | 14.51% | 0.30% |
| Q1 2026 | $20.38B | $22.07B | 36.91% | 14.31% | 0.26% |
| Q2 2026 | $20.60B | $22.11B | 37.83% | 14.56% | 0.23% |
City National Bank of Florida loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City National Bank of Florida, 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 of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20234) · FFIEC NIC profile (RSSD 814430)