Mega 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 10.46 percentage points in Q2 2026, from 383.49% to 373.03%. It was the largest change from Q1 2026 among the key lines here. Mega Bank ranks 18th of 114 California banks on loan-to-deposit ratio, in the upper half at 101.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Mega Bank sits 21.09 points higher, at 101.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $433.1M |
| Net loans and leases | $427.5M |
| Loans held for sale | $0 |
| Loans to total assets | 85.48% |
| Loan-to-deposit ratio | 101.65% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.73% |
| Multifamily (5+ residential) | 16.59% |
| Commercial and industrial | 3.15% |
| Consumer | 1.44% |
| 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) | 373.03% |
| Construction concentration (Tier 1 capital + allowance) | 141.76% |
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 | 7.75% |
| Interest income on loans | $8.0M |
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 | $362.7M | $394.9M | 44.28% | 6.11% | 0.53% |
| Q4 2023 | $374.1M | $416.2M | 45.52% | 5.41% | 0.47% |
| Q1 2024 | $377.7M | $460.4M | 45.28% | 5.27% | 0.44% |
| Q2 2024 | $392.4M | $441.4M | 43.87% | 5.07% | 1.00% |
| Q3 2024 | $405.6M | $439.1M | 40.89% | 4.50% | 1.86% |
| Q4 2024 | $416.4M | $444.7M | 40.69% | 4.27% | 2.00% |
| Q1 2025 | $431.6M | $436.1M | 39.04% | 4.12% | 2.51% |
| Q2 2025 | $412.8M | $434.6M | 39.44% | 4.33% | 2.23% |
| Q3 2025 | $425.8M | $419.3M | 36.52% | 3.90% | 1.98% |
| Q4 2025 | $419.5M | $432.9M | 38.79% | 3.72% | 1.76% |
| Q1 2026 | $414.8M | $437.4M | 39.00% | 3.76% | 1.58% |
| Q2 2026 | $433.1M | $426.1M | 40.73% | 3.15% | 1.44% |
Mega Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mega 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 Mega Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58401) · FFIEC NIC profile (RSSD 3690635)