Gainey Business 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): 150.47 percentage points lower than in Q1 2026, at 235.01%. On loan-to-deposit ratio, Gainey Business Bank ranks 3rd highest among the 12 banks headquartered in Arizona, at 107.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Gainey Business Bank sits 26.43 points higher, at 107.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.2M |
| Net loans and leases | $95.1M |
| Loans held for sale | $0 |
| Loans to total assets | 90.28% |
| Loan-to-deposit ratio | 107.27% |
| Net loans to equity capital | 7.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.29% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 48.93% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| 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) | 235.01% |
| Construction concentration (Tier 1 capital + allowance) | 91.08% |
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 | 7.42% |
| Interest income on loans | $1.8M |
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 | $22.9M | $16.8M | 36.07% | 46.09% | 0.00% |
| Q4 2023 | $24.4M | $26.7M | 37.26% | 42.98% | 0.00% |
| Q1 2024 | $28.0M | $34.7M | 42.72% | 36.03% | 0.00% |
| Q2 2024 | $34.3M | $29.0M | 44.06% | 35.45% | 0.00% |
| Q3 2024 | $35.0M | $31.4M | 40.27% | 38.11% | 0.00% |
| Q4 2024 | $45.1M | $37.4M | 32.81% | 48.10% | 0.00% |
| Q1 2025 | $51.7M | $38.9M | 36.58% | 45.77% | 0.00% |
| Q2 2025 | $60.6M | $58.7M | 34.37% | 45.09% | 0.00% |
| Q3 2025 | $68.3M | $69.7M | 29.75% | 45.94% | 0.00% |
| Q4 2025 | $87.7M | $94.4M | 33.86% | 52.10% | 0.00% |
| Q1 2026 | $92.5M | $93.9M | 32.06% | 52.39% | 0.00% |
| Q2 2026 | $96.2M | $89.7M | 37.29% | 48.93% | 0.00% |
Gainey Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gainey Business 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 Gainey Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59273) · FFIEC NIC profile (RSSD 5758445)