Mechanics 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 5.78 percentage points in Q2 2026, from 348.01% to 342.23%. It was the largest change from Q1 2026 among the key lines here. Within California, Mechanics Bank is 91st of 114 on loan-to-deposit ratio, 75.06% as of Q2 2026, below the middle of the field. Mechanics Bank reported 75.06% on loan-to-deposit ratio for Q2 2026, 11.78 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.58B |
| Net loans and leases | $13.43B |
| Loans held for sale | $5.3M |
| Loans to total assets | 63.94% |
| Loan-to-deposit ratio | 75.06% |
| Net loans to equity capital | 4.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.26% |
| Multifamily (5+ residential) | 37.36% |
| Commercial and industrial | 2.94% |
| Consumer | 9.63% |
| Credit cards | 0.00% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 342.23% |
| Construction concentration (Tier 1 capital + allowance) | 16.94% |
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 | 5.20% |
| Interest income on loans | $178.2M |
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 | $11.15B | $14.68B | 20.53% | 3.15% | 29.85% |
| Q4 2023 | $10.78B | $14.30B | 20.65% | 4.36% | 27.84% |
| Q1 2024 | $10.46B | $14.17B | 20.77% | 4.62% | 25.98% |
| Q2 2024 | $10.22B | $14.10B | 20.69% | 4.26% | 24.71% |
| Q3 2024 | $9.93B | $14.11B | 20.97% | 3.77% | 22.91% |
| Q4 2024 | $9.65B | $13.95B | 20.93% | 3.83% | 21.06% |
| Q1 2025 | $9.42B | $13.99B | 20.82% | 3.31% | 19.22% |
| Q2 2025 | $9.24B | $13.97B | 20.30% | 2.61% | 18.14% |
| Q3 2025 | $14.63B | $19.46B | 17.15% | 3.14% | 10.60% |
| Q4 2025 | $14.19B | $19.04B | 16.68% | 3.03% | 10.16% |
| Q1 2026 | $13.86B | $18.25B | 16.19% | 3.01% | 9.79% |
| Q2 2026 | $13.58B | $18.10B | 15.26% | 2.94% | 9.63% |
Mechanics Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics 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 Mechanics Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1768) · FFIEC NIC profile (RSSD 936462)