First Pacific 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.
Construction concentration (tier 1 capital + allowance) climbed 6.15 percentage points in Q2 2026, from 59.60% to 65.75%. It was the largest change from Q1 2026 among the key lines here. Within California, First Pacific Bank is 75th of 114 on loan-to-deposit ratio, 84.00% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Pacific Bank sits 3.16 points higher, at 84.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $352.9M |
| Net loans and leases | $349.7M |
| Loans held for sale | $0 |
| Loans to total assets | 68.61% |
| Loan-to-deposit ratio | 84.00% |
| Net loans to equity capital | 7.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.75% |
| Multifamily (5+ residential) | 10.26% |
| Commercial and industrial | 19.34% |
| Consumer | 0.08% |
| Credit cards | 0.00% |
| Farm | 0.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 266.92% |
| Construction concentration (Tier 1 capital + allowance) | 65.75% |
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 | 6.60% |
| Interest income on loans | $5.7M |
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 | $273.9M | $333.0M | 36.46% | 20.21% | 0.21% |
| Q4 2023 | $275.2M | $334.0M | 36.20% | 19.60% | 0.31% |
| Q1 2024 | $274.8M | $350.1M | 35.63% | 19.94% | 0.41% |
| Q2 2024 | $270.0M | $354.2M | 35.05% | 19.82% | 0.35% |
| Q3 2024 | $268.0M | $342.4M | 37.21% | 21.40% | 0.03% |
| Q4 2024 | $277.4M | $351.3M | 36.07% | 22.47% | 0.03% |
| Q1 2025 | $294.1M | $390.2M | 35.81% | 22.09% | 0.02% |
| Q2 2025 | $311.9M | $378.2M | 38.69% | 19.89% | 0.01% |
| Q3 2025 | $319.9M | $390.1M | 36.56% | 21.54% | 0.01% |
| Q4 2025 | $319.9M | $406.2M | 36.01% | 20.64% | 0.01% |
| Q1 2026 | $331.0M | $409.8M | 36.02% | 19.31% | 0.00% |
| Q2 2026 | $352.9M | $420.1M | 34.75% | 19.34% | 0.08% |
First Pacific Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Pacific 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 First Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58218) · FFIEC NIC profile (RSSD 3470930)