Commonwealth Business 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 4.60 percentage points in Q2 2026, from 86.96% to 91.56%. It was the largest change from Q1 2026 among the key lines here. Within California, Commonwealth Business Bank is 55th of 114 on loan-to-deposit ratio, 91.56% 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. Commonwealth Business Bank sits 3.36 points higher, at 91.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.52B |
| Net loans and leases | $1.51B |
| Loans held for sale | $66.5M |
| Loans to total assets | 77.51% |
| Loan-to-deposit ratio | 91.56% |
| Net loans to equity capital | 5.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 80.07% |
| Multifamily (5+ residential) | 4.59% |
| Commercial and industrial | 6.98% |
| Consumer | 0.24% |
| 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) | 263.79% |
| Construction concentration (Tier 1 capital + allowance) | 8.57% |
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 | 6.48% |
| Interest income on loans | $24.3M |
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 | $1.42B | $1.55B | 78.23% | 7.90% | 0.04% |
| Q4 2023 | $1.42B | $1.45B | 78.64% | 7.18% | 0.04% |
| Q1 2024 | $1.39B | $1.36B | 78.93% | 7.03% | 0.03% |
| Q2 2024 | $1.44B | $1.34B | 79.11% | 7.03% | 0.03% |
| Q3 2024 | $1.42B | $1.45B | 78.99% | 7.43% | 0.03% |
| Q4 2024 | $1.44B | $1.48B | 78.87% | 7.67% | 0.03% |
| Q1 2025 | $1.45B | $1.48B | 78.96% | 7.08% | 0.22% |
| Q2 2025 | $1.46B | $1.53B | 79.38% | 6.70% | 0.23% |
| Q3 2025 | $1.45B | $1.67B | 79.19% | 6.11% | 0.23% |
| Q4 2025 | $1.46B | $1.71B | 79.62% | 6.88% | 0.26% |
| Q1 2026 | $1.47B | $1.69B | 79.22% | 7.52% | 0.25% |
| Q2 2026 | $1.52B | $1.66B | 80.07% | 6.98% | 0.24% |
Commonwealth Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Business 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 Commonwealth Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57873) · FFIEC NIC profile (RSSD 3337097)