Infinity 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.
Loan-to-deposit ratio climbed 17.09 percentage points in Q2 2026, from 65.10% to 82.18%. It was the largest change from Q1 2026 among the key lines here. Within California, Infinity Bank is 78th of 114 on loan-to-deposit ratio, 82.18% as of Q2 2026. At 82.18%, Infinity Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $255.1M |
| Net loans and leases | $251.3M |
| Loans held for sale | $0 |
| Loans to total assets | 70.97% |
| Loan-to-deposit ratio | 82.18% |
| Net loans to equity capital | 5.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.87% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 38.67% |
| Consumer | 8.45% |
| 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) | 217.17% |
| Construction concentration (Tier 1 capital + allowance) | 87.89% |
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 | 8.32% |
| Interest income on loans | $5.1M |
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 | $174.6M | $278.8M | 22.86% | 33.01% | 6.31% |
| Q4 2023 | $194.3M | $249.7M | 24.24% | 36.34% | 7.95% |
| Q1 2024 | $201.8M | $266.3M | 23.45% | 34.25% | 7.97% |
| Q2 2024 | $205.8M | $257.7M | 23.82% | 36.49% | 7.87% |
| Q3 2024 | $219.5M | $277.9M | 23.26% | 37.29% | 7.34% |
| Q4 2024 | $226.3M | $285.1M | 21.22% | 37.86% | 7.14% |
| Q1 2025 | $224.4M | $289.0M | 19.12% | 35.15% | 7.27% |
| Q2 2025 | $221.4M | $291.6M | 14.84% | 38.41% | 7.49% |
| Q3 2025 | $214.4M | $326.0M | 16.08% | 36.04% | 8.38% |
| Q4 2025 | $229.8M | $302.6M | 15.18% | 39.30% | 8.19% |
| Q1 2026 | $223.7M | $343.7M | 16.22% | 36.40% | 8.53% |
| Q2 2026 | $255.1M | $310.5M | 14.87% | 38.67% | 8.45% |
Infinity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Infinity 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 Infinity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59098) · FFIEC NIC profile (RSSD 5193989)