New Omni Bank, N.A.: 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 real estate (nonfarm nonresidential): 3.36 percentage points lower than in Q1 2026, at 37.25%. Within California, New Omni Bank, N.A. is 14th of 114 on loan-to-deposit ratio, 102.89% as of Q2 2026, above the middle of the field. New Omni Bank, N.A. reported 102.89% on loan-to-deposit ratio for Q2 2026, 22.05 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $384.6M |
| Net loans and leases | $378.2M |
| Loans held for sale | $0 |
| Loans to total assets | 74.25% |
| Loan-to-deposit ratio | 102.89% |
| Net loans to equity capital | 2.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.25% |
| Multifamily (5+ residential) | 11.43% |
| Commercial and industrial | 1.86% |
| Consumer | 0.31% |
| 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) | 127.73% |
| Construction concentration (Tier 1 capital + allowance) | 16.33% |
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 | 8.58% |
| 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 | $377.5M | $362.4M | 42.48% | 0.08% | 0.05% |
| Q4 2023 | $378.4M | $359.8M | 41.66% | 0.08% | 0.04% |
| Q1 2024 | $379.1M | $364.4M | 45.52% | 0.08% | 0.04% |
| Q2 2024 | $360.9M | $367.6M | 44.17% | 0.08% | 0.04% |
| Q3 2024 | $375.8M | $408.2M | 43.53% | 0.22% | 0.09% |
| Q4 2024 | $363.2M | $391.8M | 40.62% | 0.26% | 0.14% |
| Q1 2025 | $354.8M | $389.5M | 39.76% | 0.25% | 0.20% |
| Q2 2025 | $357.0M | $373.8M | 38.06% | 0.59% | 0.26% |
| Q3 2025 | $376.7M | $387.3M | 39.55% | 0.55% | 0.27% |
| Q4 2025 | $365.9M | $381.3M | 40.10% | 0.71% | 0.33% |
| Q1 2026 | $382.3M | $371.2M | 40.61% | 1.04% | 0.29% |
| Q2 2026 | $384.6M | $373.8M | 37.25% | 1.86% | 0.31% |
New Omni Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Omni Bank, N.A., 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 New Omni Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23086) · FFIEC NIC profile (RSSD 300063)