CTBC Bank Corp. (USA): 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 Loan-to-deposit ratio: 8.69 percentage points lower than in Q1 2026, at 88.05%. Within California, CTBC Bank Corp. (USA) is 66th of 114 on loan-to-deposit ratio, 88.05% 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; CTBC Bank Corp. (USA) reported 88.05% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.42B |
| Net loans and leases | $4.37B |
| Loans held for sale | $16.2M |
| Loans to total assets | 75.24% |
| Loan-to-deposit ratio | 88.05% |
| Net loans to equity capital | 5.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.14% |
| Multifamily (5+ residential) | 9.22% |
| Commercial and industrial | 19.50% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 1.24% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 201.59% |
| Construction concentration (Tier 1 capital + allowance) | 0.19% |
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 | 5.87% |
| Interest income on loans | $64.2M |
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 | $4.47B | $4.49B | 35.34% | 13.53% | 0.00% |
| Q4 2023 | $4.49B | $4.55B | 35.03% | 14.30% | 0.00% |
| Q1 2024 | $4.48B | $4.53B | 35.20% | 14.63% | 0.00% |
| Q2 2024 | $4.46B | $4.66B | 34.53% | 15.94% | 0.00% |
| Q3 2024 | $4.35B | $4.52B | 35.31% | 16.11% | 0.00% |
| Q4 2024 | $4.20B | $4.45B | 35.86% | 16.55% | 0.00% |
| Q1 2025 | $4.24B | $4.40B | 36.32% | 16.69% | 0.00% |
| Q2 2025 | $4.32B | $4.54B | 36.31% | 16.97% | 0.00% |
| Q3 2025 | $4.31B | $4.67B | 36.28% | 18.21% | 0.00% |
| Q4 2025 | $4.31B | $4.77B | 35.65% | 18.42% | 0.00% |
| Q1 2026 | $4.40B | $4.55B | 35.64% | 19.32% | 0.00% |
| Q2 2026 | $4.42B | $5.02B | 36.14% | 19.50% | 0.00% |
CTBC Bank Corp. (USA) loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CTBC Bank Corp. (USA), 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 CTBC Bank Corp. (USA) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19416) · FFIEC NIC profile (RSSD 996260)