Exchange 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 2.35 percentage points in Q2 2026, from 61.43% to 63.79%. It was the largest change from Q1 2026 among the key lines here. Exchange Bank has the 11th lowest loan-to-deposit ratio of the 114 banks headquartered in California, at 63.79% as of Q2 2026. Exchange Bank reported 63.79% on loan-to-deposit ratio for Q2 2026, 24.42 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.75B |
| Net loans and leases | $1.72B |
| Loans held for sale | $15.0M |
| Loans to total assets | 55.08% |
| Loan-to-deposit ratio | 63.79% |
| Net loans to equity capital | 4.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.36% |
| Multifamily (5+ residential) | 14.36% |
| Commercial and industrial | 6.85% |
| Consumer | 2.44% |
| Credit cards | 0.00% |
| Farm | 1.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 229.17% |
| Construction concentration (Tier 1 capital + allowance) | 9.34% |
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 | — |
| Interest income on loans | $25.5M |
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 | $1.59B | $2.92B | 39.56% | 7.04% | 3.65% |
| Q4 2023 | $1.59B | $2.84B | 39.70% | 6.82% | 3.90% |
| Q1 2024 | $1.60B | $2.81B | 39.34% | 6.69% | 4.02% |
| Q2 2024 | $1.60B | $2.78B | 40.10% | 6.36% | 4.01% |
| Q3 2024 | $1.60B | $2.82B | 39.56% | 6.70% | 3.98% |
| Q4 2024 | $1.62B | $2.83B | 39.90% | 7.17% | 3.92% |
| Q1 2025 | $1.61B | $2.89B | 40.10% | 6.95% | 3.69% |
| Q2 2025 | $1.63B | $2.87B | 41.00% | 7.16% | 3.50% |
| Q3 2025 | $1.71B | $2.89B | 42.42% | 7.06% | 3.21% |
| Q4 2025 | $1.73B | $2.88B | 45.75% | 6.97% | 2.98% |
| Q1 2026 | $1.74B | $2.84B | 46.54% | 7.00% | 2.70% |
| Q2 2026 | $1.75B | $2.75B | 47.36% | 6.85% | 2.44% |
Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8468) · FFIEC NIC profile (RSSD 507068)