Commercewest 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): 10.11 percentage points higher than in Q1 2026, at 207.49%. Commercewest Bank ranks 92nd of 114 California banks on loan-to-deposit ratio, in the lower half at 73.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Commercewest Bank sits 14.36 points lower, at 73.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $779.7M |
| Net loans and leases | $769.4M |
| Loans held for sale | $0 |
| Loans to total assets | 65.17% |
| Loan-to-deposit ratio | 73.84% |
| Net loans to equity capital | 5.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.51% |
| Multifamily (5+ residential) | 1.56% |
| Commercial and industrial | 12.94% |
| Consumer | 6.92% |
| Credit cards | 0.00% |
| Farm | 0.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.49% |
| Construction concentration (Tier 1 capital + allowance) | 6.84% |
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 | 5.35% |
| Interest income on loans | $10.1M |
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 | $734.0M | $929.1M | 52.23% | 10.20% | 8.16% |
| Q4 2023 | $724.4M | $1.16B | 51.59% | 9.44% | 8.55% |
| Q1 2024 | $717.7M | $963.3M | 51.95% | 9.27% | 8.72% |
| Q2 2024 | $717.0M | $991.2M | 52.34% | 9.16% | 8.70% |
| Q3 2024 | $752.0M | $1.03B | 51.05% | 12.15% | 8.27% |
| Q4 2024 | $793.1M | $1.35B | 52.84% | 12.53% | 7.81% |
| Q1 2025 | $802.2M | $1.01B | 51.19% | 14.29% | 7.61% |
| Q2 2025 | $811.1M | $1.03B | 51.97% | 14.13% | 7.47% |
| Q3 2025 | $808.8M | $977.7M | 53.79% | 12.05% | 7.24% |
| Q4 2025 | $795.6M | $1.33B | 52.00% | 12.57% | 7.23% |
| Q1 2026 | $776.1M | $1.09B | 51.52% | 13.03% | 7.12% |
| Q2 2026 | $779.7M | $1.06B | 52.51% | 12.94% | 6.92% |
Commercewest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercewest 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 Commercewest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57176) · FFIEC NIC profile (RSSD 3052813)