Murphy 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.
The standout move of Q2 2026 was in Commercial and industrial: 2.12 percentage points lower than in Q1 2026, at 22.71%. Within California, Murphy Bank is 15th of 114 on loan-to-deposit ratio, 102.55% as of Q2 2026. Murphy Bank reported 102.55% on loan-to-deposit ratio for Q2 2026, 22.00 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $304.5M |
| Net loans and leases | $300.8M |
| Loans held for sale | $0 |
| Loans to total assets | 85.25% |
| Loan-to-deposit ratio | 102.55% |
| Net loans to equity capital | 5.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.08% |
| Multifamily (5+ residential) | 0.07% |
| Commercial and industrial | 22.71% |
| Consumer | 30.02% |
| Credit cards | 0.00% |
| Farm | 0.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.66% |
| Construction concentration (Tier 1 capital + allowance) | 5.72% |
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 | 8.41% |
| 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 | $322.4M | $310.1M | 3.88% | 32.67% | 23.80% |
| Q4 2023 | $315.7M | $301.0M | 4.12% | 32.51% | 23.72% |
| Q1 2024 | $311.9M | $304.1M | 4.28% | 32.34% | 23.79% |
| Q2 2024 | $309.9M | $300.6M | 4.42% | 31.84% | 24.42% |
| Q3 2024 | $306.5M | $299.9M | 4.49% | 31.57% | 24.70% |
| Q4 2024 | $303.4M | $292.1M | 4.48% | 30.22% | 24.96% |
| Q1 2025 | $299.7M | $285.4M | 4.69% | 30.39% | 25.57% |
| Q2 2025 | $305.8M | $295.4M | 4.50% | 30.42% | 26.06% |
| Q3 2025 | $306.8M | $296.5M | 4.60% | 30.27% | 26.83% |
| Q4 2025 | $306.3M | $304.2M | 5.12% | 27.46% | 27.95% |
| Q1 2026 | $300.8M | $298.0M | 5.58% | 24.83% | 28.21% |
| Q2 2026 | $304.5M | $296.9M | 5.08% | 22.71% | 30.02% |
Murphy Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Murphy 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 Murphy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25726) · FFIEC NIC profile (RSSD 855563)