Commercial Capital 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): 31.96 percentage points lower than in Q1 2026, at 196.75%. Among 103 Louisiana banks, Commercial Capital Bank sits 4th from the top on loan-to-deposit ratio, 108.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commercial Capital Bank sits 27.41 points higher, at 108.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $490.7M |
| Net loans and leases | $485.7M |
| Loans held for sale | $0 |
| Loans to total assets | 80.26% |
| Loan-to-deposit ratio | 108.25% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.53% |
| Multifamily (5+ residential) | 5.15% |
| Commercial and industrial | 7.95% |
| Consumer | 3.09% |
| Credit cards | 0.00% |
| Farm | 11.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.75% |
| Construction concentration (Tier 1 capital + allowance) | 100.42% |
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 | 7.20% |
| Interest income on loans | $8.9M |
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 | $216.8M | $239.3M | 19.61% | 9.26% | 4.64% |
| Q4 2023 | $200.3M | $248.9M | 21.97% | 10.40% | 5.06% |
| Q1 2024 | $224.9M | $264.6M | 26.80% | 10.41% | 4.72% |
| Q2 2024 | $263.7M | $279.3M | 26.14% | 9.35% | 4.38% |
| Q3 2024 | $276.6M | $295.8M | 25.07% | 8.35% | 4.25% |
| Q4 2024 | $278.8M | $305.7M | 30.14% | 9.13% | 4.33% |
| Q1 2025 | $321.6M | $348.2M | 29.22% | 9.93% | 3.81% |
| Q2 2025 | $378.0M | $400.0M | 28.49% | 9.47% | 3.30% |
| Q3 2025 | $408.5M | $421.4M | 26.19% | 8.90% | 3.28% |
| Q4 2025 | $419.0M | $432.9M | 29.54% | 8.55% | 3.36% |
| Q1 2026 | $443.3M | $447.8M | 28.90% | 9.10% | 3.22% |
| Q2 2026 | $490.7M | $453.3M | 27.53% | 7.95% | 3.09% |
Commercial Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Capital 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 Commercial Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34784) · FFIEC NIC profile (RSSD 2756730)