Icon Business 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 11.84 percentage points in Q2 2026, from 84.65% to 72.81%. It was the largest change from Q1 2026 among the key lines here. Within California, Icon Business Bank is 43rd of 114 on loan-to-deposit ratio, 95.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Icon Business Bank sits 14.18 points higher, at 95.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $122.7M |
| Net loans and leases | $121.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.93% |
| Loan-to-deposit ratio | 95.01% |
| Net loans to equity capital | 6.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.59% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 45.77% |
| Consumer | 13.64% |
| 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) | 72.81% |
| 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 | 7.34% |
| Interest income on loans | $2.3M |
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 | $1.2M | $4.2M | 0.00% | 0.00% | 100.00% |
| Q4 2023 | $13.6M | $10.5M | 22.86% | 34.69% | 42.45% |
| Q1 2024 | $25.4M | $20.7M | 41.31% | 31.89% | 26.81% |
| Q2 2024 | $34.4M | $35.3M | 39.94% | 38.53% | 21.53% |
| Q3 2024 | $48.7M | $57.9M | 39.69% | 37.96% | 22.29% |
| Q4 2024 | $67.2M | $77.4M | 31.65% | 47.48% | 20.84% |
| Q1 2025 | $75.9M | $101.7M | 39.82% | 40.24% | 19.87% |
| Q2 2025 | $107.8M | $138.0M | 38.70% | 42.09% | 19.22% |
| Q3 2025 | $112.0M | $146.0M | 37.64% | 39.86% | 20.66% |
| Q4 2025 | $118.5M | $125.6M | 38.19% | 41.42% | 18.70% |
| Q1 2026 | $126.8M | $124.7M | 37.79% | 45.16% | 15.62% |
| Q2 2026 | $122.7M | $129.2M | 40.59% | 45.77% | 13.64% |
Icon Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Icon Business 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 Icon Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59314) · FFIEC NIC profile (RSSD 5805228)