Community Bank of Santa Maria: 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 Construction concentration (Tier 1 capital + allowance): 19.01 percentage points lower than in Q1 2026, at 32.08%. Community Bank of Santa Maria ranks 74th of 114 California banks on loan-to-deposit ratio, in the lower half at 84.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank of Santa Maria sits 3.48 points higher, at 84.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $295.4M |
| Net loans and leases | $292.5M |
| Loans held for sale | $0 |
| Loans to total assets | 74.51% |
| Loan-to-deposit ratio | 84.32% |
| Net loans to equity capital | 7.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.66% |
| Multifamily (5+ residential) | 6.77% |
| Commercial and industrial | 9.83% |
| Consumer | 0.11% |
| Credit cards | 0.00% |
| Farm | 6.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 348.53% |
| Construction concentration (Tier 1 capital + allowance) | 32.08% |
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 | 6.07% |
| Interest income on loans | $4.4M |
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 | $230.8M | $361.7M | 62.02% | 11.40% | 0.21% |
| Q4 2023 | $238.7M | $356.3M | 60.18% | 10.57% | 0.20% |
| Q1 2024 | $242.0M | $343.6M | 58.76% | 10.57% | 0.19% |
| Q2 2024 | $259.6M | $357.9M | 58.93% | 10.49% | 0.15% |
| Q3 2024 | $255.8M | $360.1M | 58.40% | 10.10% | 0.16% |
| Q4 2024 | $255.8M | $366.4M | 57.65% | 9.24% | 0.18% |
| Q1 2025 | $262.5M | $361.1M | 56.94% | 9.88% | 0.14% |
| Q2 2025 | $285.6M | $367.0M | 58.16% | 9.68% | 0.14% |
| Q3 2025 | $289.2M | $368.9M | 58.24% | 10.28% | 0.15% |
| Q4 2025 | $288.1M | $384.5M | 59.40% | 9.73% | 0.12% |
| Q1 2026 | $297.0M | $357.1M | 57.50% | 9.99% | 0.13% |
| Q2 2026 | $295.4M | $350.4M | 58.66% | 9.83% | 0.11% |
Community Bank of Santa Maria loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Santa Maria, 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 Community Bank of Santa Maria profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57073) · FFIEC NIC profile (RSSD 2997216)