Finwise 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.
Commercial real estate (nonfarm nonresidential) dropped 4.82 percentage points in Q2 2026, from 31.41% to 26.59%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Finwise Bank is 15th of 44 on loan-to-deposit ratio, 101.96% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Finwise Bank sits 21.41 points higher, at 101.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $737.2M |
| Net loans and leases | $689.7M |
| Loans held for sale | $175.3M |
| Loans to total assets | 80.52% |
| Loan-to-deposit ratio | 101.96% |
| Net loans to equity capital | 4.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.59% |
| Multifamily (5+ residential) | 0.49% |
| Commercial and industrial | 7.97% |
| Consumer | 40.99% |
| Credit cards | 6.00% |
| 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) | 34.08% |
| Construction concentration (Tier 1 capital + allowance) | 28.37% |
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 | 18.70% |
| Interest income on loans | $31.4M |
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 | $382.9M | $417.4M | 48.59% | 6.81% | 17.40% |
| Q4 2023 | $419.0M | $440.4M | 48.88% | 6.24% | 17.55% |
| Q1 2024 | $444.7M | $459.1M | 46.71% | 6.47% | 18.36% |
| Q2 2024 | $478.2M | $460.4M | 44.29% | 6.82% | 19.71% |
| Q3 2024 | $514.7M | $518.8M | 39.62% | 8.28% | 22.70% |
| Q4 2024 | $552.6M | $571.4M | 37.32% | 9.26% | 23.40% |
| Q1 2025 | $605.4M | $632.3M | 35.85% | 9.15% | 26.13% |
| Q2 2025 | $670.0M | $663.5M | 35.67% | 8.05% | 28.19% |
| Q3 2025 | $716.0M | $719.2M | 34.85% | 9.25% | 29.30% |
| Q4 2025 | $734.6M | $780.2M | 30.23% | 7.91% | 37.57% |
| Q1 2026 | $711.0M | $708.1M | 31.41% | 7.25% | 36.20% |
| Q2 2026 | $737.2M | $723.0M | 26.59% | 7.97% | 40.99% |
Finwise Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Finwise 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 Finwise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35323) · FFIEC NIC profile (RSSD 2880019)