Finance Factors, Limited: 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 CRE concentration (Tier 1 capital + allowance): 4.11 percentage points lower than in Q1 2026, at 205.59%. As of Q2 2026, Finance Factors, Limited ranks first in Hawaii on loan-to-deposit ratio among 6 banks, at 88.22%. Finance Factors, Limited reported 88.22% on loan-to-deposit ratio for Q2 2026, 7.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $458.1M |
| Net loans and leases | $446.4M |
| Loans held for sale | $0 |
| Loans to total assets | 67.00% |
| Loan-to-deposit ratio | 88.22% |
| Net loans to equity capital | 5.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.94% |
| Multifamily (5+ residential) | 19.33% |
| Commercial and industrial | 0.00% |
| Consumer | 0.08% |
| 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) | 205.59% |
| Construction concentration (Tier 1 capital + allowance) | 47.21% |
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 | $7.0M |
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 | $484.2M | $521.0M | 16.29% | 0.00% | 0.09% |
| Q4 2023 | $486.7M | $542.1M | 16.16% | 0.00% | 0.08% |
| Q1 2024 | $478.6M | $537.7M | 16.17% | 0.00% | 0.07% |
| Q2 2024 | $477.4M | $531.9M | 15.93% | 0.00% | 0.08% |
| Q3 2024 | $492.6M | $525.7M | 16.10% | 0.00% | 0.10% |
| Q4 2024 | $501.9M | $534.5M | 16.27% | 0.00% | 0.09% |
| Q1 2025 | $510.4M | $542.1M | 16.50% | 0.00% | 0.08% |
| Q2 2025 | $503.4M | $556.6M | 16.66% | 0.00% | 0.08% |
| Q3 2025 | $499.4M | $554.6M | 16.49% | 0.00% | 0.08% |
| Q4 2025 | $483.4M | $531.9M | 14.23% | 0.00% | 0.08% |
| Q1 2026 | $458.8M | $520.9M | 14.96% | 0.00% | 0.08% |
| Q2 2026 | $458.1M | $519.3M | 14.94% | 0.00% | 0.08% |
Finance Factors, Limited loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Finance Factors, Limited, 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 Finance Factors, Limited profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25158) · FFIEC NIC profile (RSSD 827560)