Malaga Bank, FSB: 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 2.78 percentage points in Q2 2026, from 475.64% to 472.86%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Malaga Bank, FSB ranks 4th highest among the 114 banks headquartered in California, at 131.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Malaga Bank, FSB sits 43.64 points higher, at 131.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.24B |
| Net loans and leases | $1.24B |
| Loans held for sale | $0 |
| Loans to total assets | 85.73% |
| Loan-to-deposit ratio | 131.84% |
| Net loans to equity capital | 5.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.93% |
| Multifamily (5+ residential) | 90.71% |
| Commercial and industrial | 0.00% |
| 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) | 472.86% |
| 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 | 5.22% |
| Interest income on loans | $16.1M |
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 | $1.28B | $1.00B | 3.52% | 0.03% | 0.01% |
| Q4 2023 | $1.27B | $935.2M | 3.73% | 0.04% | 0.01% |
| Q1 2024 | $1.26B | $920.3M | 3.71% | 0.04% | 0.01% |
| Q2 2024 | $1.24B | $917.7M | 3.61% | 0.03% | 0.01% |
| Q3 2024 | $1.23B | $909.3M | 3.41% | 0.03% | 0.01% |
| Q4 2024 | $1.24B | $934.2M | 3.18% | 0.03% | 0.00% |
| Q1 2025 | $1.23B | $941.4M | 3.16% | 0.01% | 0.00% |
| Q2 2025 | $1.21B | $927.7M | 3.17% | 0.01% | 0.00% |
| Q3 2025 | $1.21B | $938.4M | 3.14% | 0.01% | 0.00% |
| Q4 2025 | $1.24B | $938.9M | 3.00% | 0.00% | 0.00% |
| Q1 2026 | $1.23B | $940.5M | 2.97% | 0.01% | 0.00% |
| Q2 2026 | $1.24B | $942.1M | 2.93% | 0.00% | 0.00% |
Malaga Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Malaga Bank, FSB, 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 Malaga Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32282) · FFIEC NIC profile (RSSD 773470)