Coastal Community 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.
Loan-to-deposit ratio climbed 9.65 percentage points in Q2 2026, from 78.39% to 88.04%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Coastal Community Bank is 14th of 29 on loan-to-deposit ratio, 88.04% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Coastal Community Bank reported 88.04% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.32B |
| Net loans and leases | $4.10B |
| Loans held for sale | $107.8M |
| Loans to total assets | 79.16% |
| Loan-to-deposit ratio | 88.04% |
| Net loans to equity capital | 8.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.83% |
| Multifamily (5+ residential) | 8.38% |
| Commercial and industrial | 3.41% |
| Consumer | 40.36% |
| Credit cards | 19.70% |
| Farm | 0.32% |
| Loans to depository institutions | 2.34% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 168.37% |
| Construction concentration (Tier 1 capital + allowance) | 32.73% |
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 | 10.94% |
| Interest income on loans | $111.1M |
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 | $2.97B | $3.30B | 29.57% | 9.50% | 25.45% |
| Q4 2023 | $3.03B | $3.37B | 30.43% | 7.99% | 26.87% |
| Q1 2024 | $3.20B | $3.47B | 30.00% | 8.99% | 27.11% |
| Q2 2024 | $3.33B | $3.55B | 29.32% | 7.39% | 29.29% |
| Q3 2024 | $3.43B | $3.63B | 28.04% | 7.10% | 32.50% |
| Q4 2024 | $3.51B | $3.63B | 27.10% | 6.39% | 34.40% |
| Q1 2025 | $3.56B | $3.84B | 26.25% | 7.38% | 34.56% |
| Q2 2025 | $3.60B | $3.96B | 25.91% | 8.86% | 35.12% |
| Q3 2025 | $3.75B | $4.02B | 24.66% | 7.97% | 33.48% |
| Q4 2025 | $3.82B | $4.19B | 23.66% | 8.98% | 35.83% |
| Q1 2026 | $3.98B | $5.08B | 23.24% | 3.52% | 37.01% |
| Q2 2026 | $4.32B | $4.90B | 21.83% | 3.41% | 40.36% |
Coastal Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal Community 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 Coastal Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34403) · FFIEC NIC profile (RSSD 2562164)