Commercial Bank of California: 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.
Cre concentration (tier 1 capital + allowance) dropped 13.28 percentage points in Q2 2026, from 486.07% to 472.79%. It was the largest change from Q1 2026 among the key lines here. Within California, Commercial Bank of California is 80th of 114 on loan-to-deposit ratio, 80.45% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Commercial Bank of California sits 7.75 points lower, at 80.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.78B |
| Net loans and leases | $2.75B |
| Loans held for sale | $0 |
| Loans to total assets | 69.86% |
| Loan-to-deposit ratio | 80.45% |
| Net loans to equity capital | 7.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 63.98% |
| Multifamily (5+ residential) | 17.81% |
| Commercial and industrial | 8.59% |
| Consumer | 1.82% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 472.79% |
| Construction concentration (Tier 1 capital + allowance) | 28.00% |
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 | 6.47% |
| Interest income on loans | $45.0M |
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 | $1.62B | $1.82B | 61.99% | 5.61% | 6.75% |
| Q4 2023 | $1.73B | $1.89B | 61.68% | 6.40% | 6.31% |
| Q1 2024 | $1.74B | $2.00B | 61.23% | 7.14% | 5.86% |
| Q2 2024 | $1.70B | $2.03B | 63.44% | 5.50% | 4.28% |
| Q3 2024 | $1.78B | $2.06B | 62.53% | 7.73% | 3.88% |
| Q4 2024 | $2.51B | $2.86B | 61.22% | 9.02% | 2.55% |
| Q1 2025 | $2.57B | $2.99B | 61.64% | 8.21% | 2.35% |
| Q2 2025 | $2.62B | $3.05B | 61.27% | 8.23% | 2.07% |
| Q3 2025 | $2.66B | $3.22B | 61.76% | 8.34% | 1.95% |
| Q4 2025 | $2.76B | $3.07B | 60.54% | 10.20% | 1.87% |
| Q1 2026 | $2.76B | $3.39B | 63.45% | 8.27% | 1.77% |
| Q2 2026 | $2.78B | $3.46B | 63.98% | 8.59% | 1.82% |
Commercial Bank of California loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of California, 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 Commercial Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57417) · FFIEC NIC profile (RSSD 3189063)