Oriental 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: 2.28 percentage points lower than in Q1 2026, at 20.03%. The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. Oriental Bank sits 3.76 points lower, at 83.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.31B |
| Net loans and leases | $8.12B |
| Loans held for sale | $7.8M |
| Loans to total assets | 68.96% |
| Loan-to-deposit ratio | 83.11% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.00% |
| Multifamily (5+ residential) | 0.55% |
| Commercial and industrial | 20.03% |
| Consumer | 39.62% |
| Credit cards | 0.39% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.82% |
| Construction concentration (Tier 1 capital + allowance) | 2.43% |
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 | 7.88% |
| Interest income on loans | $163.0M |
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 | $7.29B | $8.56B | 15.07% | 18.65% | 38.46% |
| Q4 2023 | $7.56B | $9.77B | 16.06% | 17.32% | 37.99% |
| Q1 2024 | $7.57B | $9.56B | 17.12% | 16.48% | 38.97% |
| Q2 2024 | $7.66B | $9.62B | 16.83% | 16.85% | 39.85% |
| Q3 2024 | $7.77B | $9.62B | 16.54% | 17.00% | 40.30% |
| Q4 2024 | $7.81B | $9.61B | 16.43% | 17.57% | 40.97% |
| Q1 2025 | $7.87B | $9.93B | 16.37% | 18.13% | 41.23% |
| Q2 2025 | $8.20B | $10.15B | 16.07% | 19.73% | 40.52% |
| Q3 2025 | $8.13B | $10.02B | 16.04% | 20.17% | 40.72% |
| Q4 2025 | $8.22B | $10.27B | 15.13% | 21.58% | 40.16% |
| Q1 2026 | $8.24B | $9.86B | 15.02% | 22.31% | 39.89% |
| Q2 2026 | $8.31B | $9.99B | 15.00% | 20.03% | 39.62% |
Oriental Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oriental 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 Oriental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31469) · FFIEC NIC profile (RSSD 245276)