Commencement 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 standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.80 percentage points lower than in Q1 2026, at 247.40%. Within Washington, Commencement Bank is 20th of 29 on loan-to-deposit ratio, 84.31% as of Q2 2026. Commencement Bank reported 84.31% on loan-to-deposit ratio for Q2 2026, 3.75 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $556.6M |
| Net loans and leases | $550.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.25% |
| Loan-to-deposit ratio | 84.31% |
| Net loans to equity capital | 8.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.39% |
| Multifamily (5+ residential) | 7.16% |
| Commercial and industrial | 22.51% |
| Consumer | 0.73% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.40% |
| Construction concentration (Tier 1 capital + allowance) | 27.80% |
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 | 6.22% |
| Interest income on loans | $8.4M |
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 | $437.2M | $506.5M | 48.16% | 20.21% | 0.80% |
| Q4 2023 | $443.1M | $531.2M | 49.49% | 20.23% | 0.79% |
| Q1 2024 | $446.8M | $535.8M | 49.89% | 20.58% | 0.84% |
| Q2 2024 | $464.4M | $535.4M | 47.59% | 23.17% | 0.87% |
| Q3 2024 | $465.9M | $568.4M | 47.35% | 22.14% | 0.99% |
| Q4 2024 | $467.3M | $592.1M | 47.33% | 22.40% | 0.89% |
| Q1 2025 | $474.0M | $579.6M | 46.54% | 23.15% | 0.86% |
| Q2 2025 | $511.9M | $599.9M | 48.55% | 22.13% | 0.89% |
| Q3 2025 | $512.3M | $606.1M | 49.33% | 24.69% | 1.02% |
| Q4 2025 | $524.4M | $610.4M | 47.65% | 24.30% | 0.90% |
| Q1 2026 | $539.8M | $623.5M | 46.08% | 23.53% | 0.81% |
| Q2 2026 | $556.6M | $660.2M | 46.39% | 22.51% | 0.73% |
Commencement Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commencement 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 Commencement Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58446) · FFIEC NIC profile (RSSD 3537897)