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 Loans held for sale: 142.0% higher than in Q1 2026, at $2.5M. Within New York, Five Star Bank is 44th of 105 on loan-to-deposit ratio, 89.56% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Five Star Bank reported 89.56% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.76B |
| Net loans and leases | $4.71B |
| Loans held for sale | $2.5M |
| Loans to total assets | 75.54% |
| Loan-to-deposit ratio | 89.56% |
| Net loans to equity capital | 6.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.75% |
| Multifamily (5+ residential) | 11.02% |
| Commercial and industrial | 13.07% |
| Consumer | 16.89% |
| Credit cards | 0.00% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 295.54% |
| Construction concentration (Tier 1 capital + allowance) | 90.23% |
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 | 6.05% |
| Interest income on loans | $70.8M |
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 | $4.43B | $5.34B | 23.52% | 12.98% | 23.05% |
| Q4 2023 | $4.46B | $5.23B | 23.27% | 13.71% | 22.26% |
| Q1 2024 | $4.44B | $5.42B | 23.72% | 13.45% | 21.72% |
| Q2 2024 | $4.46B | $5.15B | 24.24% | 13.55% | 21.01% |
| Q3 2024 | $4.41B | $5.32B | 24.51% | 12.42% | 20.82% |
| Q4 2024 | $4.48B | $5.16B | 25.03% | 12.23% | 19.81% |
| Q1 2025 | $4.55B | $5.42B | 25.56% | 12.97% | 19.62% |
| Q2 2025 | $4.54B | $5.20B | 25.99% | 13.01% | 19.20% |
| Q3 2025 | $4.59B | $5.37B | 26.43% | 13.09% | 19.06% |
| Q4 2025 | $4.66B | $5.29B | 27.01% | 12.77% | 18.08% |
| Q1 2026 | $4.63B | $5.35B | 26.77% | 13.08% | 17.74% |
| Q2 2026 | $4.76B | $5.31B | 27.75% | 13.07% | 16.89% |
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 659) · FFIEC NIC profile (RSSD 601416)