Five Star 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.23 percentage points higher than in Q1 2026, at 537.54%. Five Star Bank ranks 48th of 114 California banks on loan-to-deposit ratio, in the upper half at 93.97% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Five Star Bank sits 5.77 points higher, at 93.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.52B |
| Net loans and leases | $4.47B |
| Loans held for sale | $0 |
| Loans to total assets | 84.06% |
| Loan-to-deposit ratio | 93.97% |
| Net loans to equity capital | 8.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.78% |
| Multifamily (5+ residential) | 30.75% |
| Commercial and industrial | 4.93% |
| Consumer | 8.29% |
| Credit cards | 0.00% |
| Farm | 1.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 537.54% |
| Construction concentration (Tier 1 capital + allowance) | 25.34% |
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 | 6.07% |
| Interest income on loans | $65.7M |
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 | $3.02B | $3.04B | 52.89% | 5.46% | 1.16% |
| Q4 2023 | $3.09B | $3.04B | 53.62% | 5.47% | 1.23% |
| Q1 2024 | $3.11B | $2.96B | 53.27% | 5.15% | 2.36% |
| Q2 2024 | $3.27B | $3.16B | 52.72% | 4.98% | 4.66% |
| Q3 2024 | $3.46B | $3.41B | 50.43% | 5.08% | 7.82% |
| Q4 2024 | $3.54B | $3.57B | 50.65% | 4.89% | 7.91% |
| Q1 2025 | $3.62B | $3.75B | 50.63% | 5.21% | 7.65% |
| Q2 2025 | $3.76B | $3.90B | 50.55% | 5.02% | 7.41% |
| Q3 2025 | $3.89B | $4.11B | 49.43% | 5.24% | 7.16% |
| Q4 2025 | $4.07B | $4.21B | 48.90% | 6.19% | 6.76% |
| Q1 2026 | $4.21B | $4.48B | 49.44% | 6.14% | 6.55% |
| Q2 2026 | $4.52B | $4.81B | 48.78% | 4.93% | 8.29% |
Five Star Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Star 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 Five Star Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35361) · FFIEC NIC profile (RSSD 2867337)