Habib American 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): 16.43 percentage points higher than in Q1 2026, at 526.24%. Habib American Bank ranks 67th of 105 New York banks on loan-to-deposit ratio, in the lower half at 79.11% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Habib American Bank sits 9.09 points lower, at 79.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.92B |
| Net loans and leases | $1.90B |
| Loans held for sale | $0 |
| Loans to total assets | 67.79% |
| Loan-to-deposit ratio | 79.11% |
| Net loans to equity capital | 7.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 69.20% |
| Multifamily (5+ residential) | 16.13% |
| Commercial and industrial | 1.62% |
| Consumer | 0.21% |
| 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) | 526.24% |
| 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 | — |
| Interest income on loans | $29.3M |
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 | $1.44B | $2.06B | 68.77% | 2.04% | 1.01% |
| Q4 2023 | $1.47B | $1.92B | 69.41% | 1.85% | 0.98% |
| Q1 2024 | $1.51B | $2.09B | 69.62% | 2.06% | 0.42% |
| Q2 2024 | $1.55B | $2.44B | 68.43% | 1.97% | 0.42% |
| Q3 2024 | $1.58B | $2.23B | 69.56% | 2.10% | 0.38% |
| Q4 2024 | $1.62B | $2.08B | 69.42% | 2.25% | 0.24% |
| Q1 2025 | $1.64B | $2.48B | 69.63% | 2.51% | 0.26% |
| Q2 2025 | $1.70B | $2.29B | 68.96% | 2.45% | 0.27% |
| Q3 2025 | $1.77B | $2.26B | 69.03% | 2.40% | 0.25% |
| Q4 2025 | $1.85B | $2.35B | 68.32% | 2.00% | 0.25% |
| Q1 2026 | $1.88B | $2.58B | 68.71% | 1.75% | 0.19% |
| Q2 2026 | $1.92B | $2.43B | 69.20% | 1.62% | 0.21% |
Habib American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Habib American 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 Habib American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25093) · FFIEC NIC profile (RSSD 245016)