Home Bank of California: 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): 77.28 percentage points lower than in Q1 2026, at 375.95%. On loan-to-deposit ratio, Home Bank of California ranks 5th highest among the 114 banks headquartered in California, at 122.43% (Q2 2026). Home Bank of California's loan-to-deposit ratio of 122.43% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 41.59 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $235.3M |
| Net loans and leases | $233.0M |
| Loans held for sale | $0 |
| Loans to total assets | 92.11% |
| Loan-to-deposit ratio | 122.43% |
| Net loans to equity capital | 7.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 64.63% |
| Multifamily (5+ residential) | 6.09% |
| Commercial and industrial | 4.72% |
| 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) | 375.95% |
| Construction concentration (Tier 1 capital + allowance) | 44.39% |
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 | 7.73% |
| Interest income on loans | $4.5M |
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 | $217.5M | $183.6M | 59.00% | 5.25% | 0.00% |
| Q4 2023 | $212.7M | $182.6M | 59.16% | 5.20% | 0.00% |
| Q1 2024 | $214.7M | $182.5M | 60.05% | 6.35% | 0.00% |
| Q2 2024 | $221.2M | $189.2M | 63.20% | 5.54% | 0.00% |
| Q3 2024 | $215.9M | $195.1M | 65.29% | 5.22% | 0.00% |
| Q4 2024 | $222.4M | $189.1M | 65.66% | 4.68% | 0.00% |
| Q1 2025 | $231.9M | $204.6M | 66.50% | 4.36% | 0.00% |
| Q2 2025 | $227.6M | $205.3M | 65.84% | 5.00% | 0.00% |
| Q3 2025 | $235.1M | $197.4M | 65.97% | 4.62% | 0.00% |
| Q4 2025 | $228.0M | $195.6M | 65.84% | 4.85% | 0.00% |
| Q1 2026 | $235.6M | $193.2M | 65.00% | 4.55% | 0.00% |
| Q2 2026 | $235.3M | $192.2M | 64.63% | 4.72% | 0.00% |
Home Bank of California loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank of California, 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 Home Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26271) · FFIEC NIC profile (RSSD 118660)