People's Bank of Commerce: 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) dropped 11.81 percentage points in Q2 2026, from 234.32% to 222.51%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, People's Bank of Commerce ranks 2nd highest among the 12 banks headquartered in Oregon, at 96.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. People's Bank of Commerce sits 16.12 points higher, at 96.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $599.4M |
| Net loans and leases | $593.0M |
| Loans held for sale | $0 |
| Loans to total assets | 77.17% |
| Loan-to-deposit ratio | 96.96% |
| Net loans to equity capital | 5.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.11% |
| Multifamily (5+ residential) | 15.49% |
| Commercial and industrial | 14.84% |
| Consumer | 0.46% |
| Credit cards | 0.00% |
| Farm | 2.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 222.51% |
| Construction concentration (Tier 1 capital + allowance) | 25.63% |
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 | 7.06% |
| Interest income on loans | $10.5M |
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 | $526.6M | $654.1M | 53.55% | 13.94% | 0.53% |
| Q4 2023 | $529.7M | $640.1M | 54.75% | 13.42% | 0.51% |
| Q1 2024 | $561.2M | $646.0M | 54.84% | 13.09% | 0.56% |
| Q2 2024 | $565.9M | $659.2M | 53.81% | 12.83% | 0.59% |
| Q3 2024 | $565.7M | $672.9M | 54.68% | 13.10% | 0.53% |
| Q4 2024 | $558.5M | $683.6M | 55.77% | 12.55% | 0.55% |
| Q1 2025 | $564.8M | $693.7M | 53.59% | 13.00% | 0.52% |
| Q2 2025 | $568.8M | $688.7M | 55.00% | 12.39% | 0.52% |
| Q3 2025 | $575.4M | $685.0M | 54.20% | 12.59% | 0.47% |
| Q4 2025 | $582.6M | $662.0M | 53.29% | 12.19% | 0.43% |
| Q1 2026 | $587.0M | $652.7M | 54.46% | 13.23% | 0.42% |
| Q2 2026 | $599.4M | $618.2M | 54.11% | 14.84% | 0.46% |
People's Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank of Commerce, 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 People's Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34685) · FFIEC NIC profile (RSSD 2661861)