Mizuho Bank (USA): 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.
Loans to total assets climbed 8.10 percentage points in Q2 2026, from 10.63% to 18.73%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Mizuho Bank (USA) is 7th from the bottom among 105 New York banks, 23.04% (Q2 2026). Against a median of 88.20% for banks in the $1B-10B asset tier, Mizuho Bank (USA) reported 23.04% on loan-to-deposit ratio in Q2 2026, 65.17 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $400.4M |
| Net loans and leases | $398.8M |
| Loans held for sale | $0 |
| Loans to total assets | 18.73% |
| Loan-to-deposit ratio | 23.04% |
| Net loans to equity capital | 1.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 32.77% |
| 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) | 3.62% |
| 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 | 4.81% |
| Interest income on loans | $4.9M |
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 | $2.83B | $5.20B | 0.00% | 46.32% | 0.00% |
| Q4 2023 | $2.80B | $6.33B | 0.00% | 48.23% | 0.00% |
| Q1 2024 | $2.91B | $4.66B | 0.00% | 45.00% | 0.00% |
| Q2 2024 | $2.86B | $4.72B | 0.00% | 41.59% | 0.00% |
| Q3 2024 | $2.64B | $5.23B | 0.00% | 37.82% | 0.00% |
| Q4 2024 | $2.52B | $6.97B | 0.00% | 37.27% | 0.00% |
| Q1 2025 | $2.23B | $6.14B | 0.00% | 36.30% | 0.00% |
| Q2 2025 | $2.44B | $5.17B | 0.00% | 36.39% | 0.00% |
| Q3 2025 | $2.41B | $5.13B | 0.00% | 31.83% | 0.00% |
| Q4 2025 | $1.81B | $4.01B | 0.00% | 25.97% | 0.00% |
| Q1 2026 | $430.7M | $2.83B | 0.00% | 33.91% | 0.00% |
| Q2 2026 | $400.4M | $1.74B | 0.00% | 32.77% | 0.00% |
Mizuho Bank (USA) loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mizuho Bank (USA), 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 Mizuho Bank (USA) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21843) · FFIEC NIC profile (RSSD 229913)