Community Commerce 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.
Consumer climbed 1.27 percentage points in Q2 2026, from 35.31% to 36.58%. It was the largest change from Q1 2026 among the key lines here. Community Commerce Bank ranks 25th of 114 California banks on loan-to-deposit ratio, in the upper half at 100.08% (Q2 2026). Community Commerce Bank reported 100.08% on loan-to-deposit ratio for Q2 2026, 19.52 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $317.7M |
| Net loans and leases | $314.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.16% |
| Loan-to-deposit ratio | 100.08% |
| Net loans to equity capital | 4.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.79% |
| Multifamily (5+ residential) | 9.12% |
| Commercial and industrial | 0.00% |
| Consumer | 36.58% |
| 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) | 224.91% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.25% |
| Interest income on loans | $5.7M |
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 | $275.6M | $277.9M | 55.82% | 0.00% | 27.43% |
| Q4 2023 | $281.9M | $275.3M | 55.19% | 0.00% | 29.50% |
| Q1 2024 | $291.1M | $290.0M | 52.99% | 0.00% | 32.12% |
| Q2 2024 | $292.9M | $299.6M | 51.84% | 0.00% | 33.97% |
| Q3 2024 | $294.9M | $301.7M | 52.75% | 0.00% | 32.80% |
| Q4 2024 | $297.0M | $307.2M | 53.92% | 0.00% | 32.23% |
| Q1 2025 | $292.5M | $302.4M | 53.41% | 0.00% | 32.80% |
| Q2 2025 | $293.9M | $298.5M | 51.95% | 0.00% | 34.29% |
| Q3 2025 | $292.0M | $298.5M | 51.74% | 0.00% | 34.70% |
| Q4 2025 | $302.8M | $310.5M | 52.31% | 0.00% | 34.46% |
| Q1 2026 | $309.0M | $312.0M | 51.55% | 0.00% | 35.31% |
| Q2 2026 | $317.7M | $317.5M | 50.79% | 0.00% | 36.58% |
Community Commerce Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Commerce 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 Community Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26363) · FFIEC NIC profile (RSSD 299868)