First Commercial Bank (U.S.A): 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: 4.78 percentage points higher than in Q1 2026, at 113.20%. Among 114 California banks, First Commercial Bank (U.S.A) sits 8th from the top on loan-to-deposit ratio, 113.20% as of Q2 2026. First Commercial Bank (U.S.A) reported 113.20% on loan-to-deposit ratio for Q2 2026, 32.36 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $732.1M |
| Net loans and leases | $721.4M |
| Loans held for sale | $0 |
| Loans to total assets | 86.14% |
| Loan-to-deposit ratio | 113.20% |
| Net loans to equity capital | 3.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.56% |
| Multifamily (5+ residential) | 6.32% |
| Commercial and industrial | 5.96% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 8.46% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 160.71% |
| Construction concentration (Tier 1 capital + allowance) | 15.78% |
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 | 5.95% |
| Interest income on loans | $10.8M |
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 | $706.5M | $588.6M | 43.35% | 6.53% | 0.00% |
| Q4 2023 | $724.9M | $622.6M | 41.08% | 6.21% | 0.00% |
| Q1 2024 | $740.5M | $626.0M | 38.99% | 6.04% | 0.00% |
| Q2 2024 | $737.7M | $618.2M | 39.41% | 6.14% | 0.00% |
| Q3 2024 | $706.3M | $615.1M | 40.83% | 6.15% | 0.00% |
| Q4 2024 | $688.9M | $639.4M | 41.96% | 6.30% | 0.00% |
| Q1 2025 | $685.9M | $626.7M | 41.62% | 6.38% | 0.00% |
| Q2 2025 | $687.9M | $620.6M | 42.56% | 6.26% | 0.00% |
| Q3 2025 | $720.2M | $624.3M | 43.08% | 6.13% | 0.00% |
| Q4 2025 | $715.6M | $637.9M | 43.75% | 6.29% | 0.00% |
| Q1 2026 | $726.6M | $670.1M | 43.50% | 6.19% | 0.00% |
| Q2 2026 | $732.1M | $646.8M | 42.56% | 5.96% | 0.00% |
First Commercial Bank (U.S.A) loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commercial Bank (U.S.A), 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 First Commercial Bank (U.S.A) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34496) · FFIEC NIC profile (RSSD 2332910)