Hana Bank USA, N.A.: 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): 4.18 percentage points higher than in Q1 2026, at 145.34%. Within New Jersey, Hana Bank USA, N.A. is 31st of 49 on loan-to-deposit ratio, 87.49% as of Q2 2026, below the middle of the field. Hana Bank USA, N.A. reported 87.49% on loan-to-deposit ratio for Q2 2026, 6.65 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $514.6M |
| Net loans and leases | $510.3M |
| Loans held for sale | $0 |
| Loans to total assets | 61.61% |
| Loan-to-deposit ratio | 87.49% |
| Net loans to equity capital | 2.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.93% |
| Multifamily (5+ residential) | 27.41% |
| Commercial and industrial | 22.96% |
| 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) | 145.34% |
| Construction concentration (Tier 1 capital + allowance) | 1.29% |
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 | 5.71% |
| Interest income on loans | $7.3M |
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 | $248.2M | $410.3M | 37.34% | 22.58% | 0.00% |
| Q4 2023 | $286.7M | $311.4M | 35.83% | 20.71% | 0.00% |
| Q1 2024 | $305.9M | $305.2M | 34.95% | 21.84% | 0.00% |
| Q2 2024 | $348.0M | $405.5M | 38.91% | 18.16% | 0.00% |
| Q3 2024 | $368.2M | $437.5M | 41.98% | 16.88% | 0.00% |
| Q4 2024 | $402.2M | $458.6M | 43.49% | 19.02% | 0.00% |
| Q1 2025 | $436.1M | $558.7M | 48.36% | 15.52% | 0.00% |
| Q2 2025 | $469.5M | $519.1M | 48.05% | 18.24% | 0.00% |
| Q3 2025 | $469.3M | $624.7M | 49.37% | 17.94% | 0.00% |
| Q4 2025 | $479.0M | $564.4M | 47.76% | 19.41% | 0.00% |
| Q1 2026 | $509.5M | $602.6M | 47.24% | 23.78% | 0.00% |
| Q2 2026 | $514.6M | $588.2M | 45.93% | 22.96% | 0.00% |
Hana Bank USA, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hana Bank USA, N.A., 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 Hana Bank USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26790) · FFIEC NIC profile (RSSD 609609)