Green Dot 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 Yield on loans: 259.91 percentage points higher than in Q1 2026, at 302.34%. Green Dot Bank has the 2nd lowest loan-to-deposit ratio of the 44 banks headquartered in Utah, at 0.81% as of Q2 2026. Green Dot Bank's loan-to-deposit ratio of 0.81% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 87.39 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.8M |
| Net loans and leases | $33.8M |
| Loans held for sale | $0 |
| Loans to total assets | 0.75% |
| Loan-to-deposit ratio | 0.81% |
| Net loans to equity capital | 0.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.73% |
| Multifamily (5+ residential) | 11.73% |
| Commercial and industrial | 11.91% |
| Consumer | 56.99% |
| Credit cards | 21.47% |
| 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) | 1.42% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 302.34% |
| Interest income on loans | $29.4M |
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 | $41.2M | $3.71B | 6.31% | 21.28% | 60.94% |
| Q4 2023 | $80.0M | $3.51B | 3.22% | 53.26% | 37.25% |
| Q1 2024 | $49.0M | $3.97B | 5.21% | 28.54% | 54.60% |
| Q2 2024 | $40.2M | $4.43B | 6.30% | 12.33% | 65.75% |
| Q3 2024 | $46.8M | $4.24B | 5.35% | 22.29% | 58.62% |
| Q4 2024 | $84.3M | $4.44B | 2.96% | 57.85% | 30.96% |
| Q1 2025 | $61.2M | $4.69B | 4.27% | 12.62% | 69.08% |
| Q2 2025 | $44.4M | $4.56B | 5.85% | 14.65% | 59.45% |
| Q3 2025 | $50.7M | $4.67B | 5.49% | 24.68% | 52.33% |
| Q4 2025 | $118.5M | $4.87B | 2.18% | 69.16% | 20.78% |
| Q1 2026 | $66.7M | $4.97B | 3.54% | 8.69% | 72.99% |
| Q2 2026 | $40.8M | $5.04B | 5.73% | 11.91% | 56.99% |
Green Dot Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Green Dot 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 Green Dot Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22653) · FFIEC NIC profile (RSSD 243375)