Pacific Coast Bankers' 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.
Loan-to-deposit ratio dropped 9.22 percentage points in Q2 2026, from 90.97% to 81.75%. It was the largest change from Q1 2026 among the key lines here. Within California, Pacific Coast Bankers' Bank is 79th of 114 on loan-to-deposit ratio, 81.75% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Pacific Coast Bankers' Bank sits 6.45 points lower, at 81.75% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $533.8M |
| Net loans and leases | $528.1M |
| Loans held for sale | $0 |
| Loans to total assets | 44.21% |
| Loan-to-deposit ratio | 81.75% |
| Net loans to equity capital | 3.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.83% |
| Multifamily (5+ residential) | 13.30% |
| Commercial and industrial | 28.15% |
| 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) | 217.46% |
| Construction concentration (Tier 1 capital + allowance) | 3.60% |
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 | 6.30% |
| Interest income on loans | $8.3M |
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 | $338.7M | $512.6M | 44.32% | 43.52% | 0.00% |
| Q4 2023 | $336.4M | $396.3M | 45.81% | 41.95% | 0.00% |
| Q1 2024 | $354.5M | $476.1M | 46.19% | 42.21% | 0.00% |
| Q2 2024 | $391.2M | $518.0M | 51.84% | 37.68% | 0.00% |
| Q3 2024 | $407.5M | $385.6M | 50.46% | 38.69% | 0.00% |
| Q4 2024 | $408.7M | $534.8M | 53.36% | 38.29% | 0.00% |
| Q1 2025 | $437.8M | $454.0M | 53.99% | 33.44% | 0.00% |
| Q2 2025 | $435.3M | $439.3M | 56.07% | 31.29% | 0.00% |
| Q3 2025 | $468.8M | $541.4M | 57.67% | 29.20% | 0.00% |
| Q4 2025 | $486.7M | $516.7M | 53.91% | 27.31% | 0.00% |
| Q1 2026 | $509.2M | $559.8M | 55.46% | 26.20% | 0.00% |
| Q2 2026 | $533.8M | $653.0M | 53.83% | 28.15% | 0.00% |
Pacific Coast Bankers' Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific Coast Bankers' 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 Pacific Coast Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34252) · FFIEC NIC profile (RSSD 2451240)