PCB 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.
Cre concentration (tier 1 capital + allowance) climbed 5.50 percentage points in Q2 2026, from 311.08% to 316.57%. It was the largest change from Q1 2026 among the key lines here. Within California, PCB Bank is 26th of 114 on loan-to-deposit ratio, 100.04% as of Q2 2026, above the middle of the field. PCB Bank reported 100.04% on loan-to-deposit ratio for Q2 2026, 11.84 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.93B |
| Net loans and leases | $2.90B |
| Loans held for sale | $2.9M |
| Loans to total assets | 84.60% |
| Loan-to-deposit ratio | 100.04% |
| Net loans to equity capital | 7.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 61.03% |
| Multifamily (5+ residential) | 7.11% |
| Commercial and industrial | 11.21% |
| Consumer | 0.19% |
| 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) | 316.57% |
| Construction concentration (Tier 1 capital + allowance) | 5.51% |
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 | — |
| Interest income on loans | $45.9M |
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 | $2.17B | $2.20B | 61.61% | 8.04% | 0.96% |
| Q4 2023 | $2.33B | $2.36B | 62.29% | 8.37% | 0.88% |
| Q1 2024 | $2.40B | $2.41B | 61.79% | 9.30% | 0.91% |
| Q2 2024 | $2.45B | $2.41B | 57.94% | 9.83% | 0.63% |
| Q3 2024 | $2.47B | $2.47B | 58.57% | 10.46% | 0.59% |
| Q4 2024 | $2.64B | $2.62B | 57.75% | 11.15% | 0.43% |
| Q1 2025 | $2.74B | $2.72B | 57.51% | 11.17% | 0.40% |
| Q2 2025 | $2.80B | $2.83B | 58.30% | 11.08% | 0.33% |
| Q3 2025 | $2.76B | $2.92B | 60.48% | 11.13% | 0.28% |
| Q4 2025 | $2.83B | $2.81B | 59.76% | 11.37% | 0.23% |
| Q1 2026 | $2.88B | $2.90B | 59.57% | 10.81% | 0.22% |
| Q2 2026 | $2.93B | $2.93B | 61.03% | 11.21% | 0.19% |
PCB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock PCB 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 PCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57463) · FFIEC NIC profile (RSSD 3212402)