Golden State 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.
Cre concentration (tier 1 capital + allowance) dropped 18.09 percentage points in Q2 2026, from 399.04% to 380.94%. It was the largest change from Q1 2026 among the key lines here. Within California, Golden State Bank is 23rd of 114 on loan-to-deposit ratio, 100.18% as of Q2 2026, above the middle of the field. Golden State Bank reported 100.18% on loan-to-deposit ratio for Q2 2026, 11.97 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $858.1M |
| Net loans and leases | $846.8M |
| Loans held for sale | $0 |
| Loans to total assets | 85.80% |
| Loan-to-deposit ratio | 100.18% |
| Net loans to equity capital | 7.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.16% |
| Multifamily (5+ residential) | 13.22% |
| Commercial and industrial | 16.80% |
| 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) | 380.94% |
| Construction concentration (Tier 1 capital + allowance) | 36.68% |
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 | — |
| Interest income on loans | $15.9M |
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 | $553.8M | $605.0M | 56.10% | 6.72% | 0.00% |
| Q4 2023 | $564.3M | $622.9M | 58.40% | 7.45% | 0.00% |
| Q1 2024 | $623.3M | $660.2M | 61.51% | 7.85% | 0.00% |
| Q2 2024 | $671.0M | $698.6M | 61.98% | 8.44% | 0.00% |
| Q3 2024 | $696.0M | $710.1M | 61.89% | 8.56% | 0.00% |
| Q4 2024 | $709.6M | $717.1M | 61.40% | 8.59% | 0.00% |
| Q1 2025 | $760.1M | $758.3M | 59.27% | 9.44% | 0.00% |
| Q2 2025 | $785.3M | $788.9M | 59.49% | 10.78% | 0.00% |
| Q3 2025 | $794.4M | $800.2M | 60.06% | 10.98% | 0.00% |
| Q4 2025 | $820.8M | $811.1M | 62.07% | 11.58% | 0.00% |
| Q1 2026 | $823.6M | $828.3M | 60.57% | 14.30% | 0.00% |
| Q2 2026 | $858.1M | $856.6M | 59.16% | 16.80% | 0.00% |
Golden State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden State 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 Golden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57585) · FFIEC NIC profile (RSSD 3224375)