Popular 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 climbed 3.72 percentage points in Q2 2026, from 94.97% to 98.69%. It was the largest change from Q1 2026 among the key lines here. Within New York, Popular Bank is 19th of 105 on loan-to-deposit ratio, 98.69% as of Q2 2026. The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. Popular Bank sits 11.82 points higher, at 98.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.77B |
| Net loans and leases | $11.68B |
| Loans held for sale | $0 |
| Loans to total assets | 78.33% |
| Loan-to-deposit ratio | 98.69% |
| Net loans to equity capital | 5.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.05% |
| Multifamily (5+ residential) | 17.44% |
| Commercial and industrial | 3.15% |
| Consumer | 0.58% |
| 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) | 311.48% |
| Construction concentration (Tier 1 capital + allowance) | 74.21% |
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 | 6.08% |
| Interest income on loans | $173.1M |
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 | $10.27B | $10.30B | 35.93% | 4.79% | 1.97% |
| Q4 2023 | $10.55B | $11.27B | 35.31% | 5.19% | 1.73% |
| Q1 2024 | $10.48B | $11.27B | 35.41% | 4.09% | 1.55% |
| Q2 2024 | $10.45B | $11.86B | 35.54% | 2.75% | 1.41% |
| Q3 2024 | $10.47B | $11.89B | 35.28% | 2.69% | 1.33% |
| Q4 2024 | $10.93B | $11.70B | 35.31% | 3.25% | 1.15% |
| Q1 2025 | $11.13B | $11.95B | 35.49% | 3.01% | 1.06% |
| Q2 2025 | $11.38B | $11.95B | 34.85% | 2.74% | 0.81% |
| Q3 2025 | $11.53B | $12.16B | 35.02% | 2.97% | 0.74% |
| Q4 2025 | $11.67B | $12.03B | 35.03% | 3.56% | 0.67% |
| Q1 2026 | $11.62B | $12.23B | 35.98% | 3.44% | 0.62% |
| Q2 2026 | $11.77B | $11.93B | 37.05% | 3.15% | 0.58% |
Popular Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Popular 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 Popular Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34967) · FFIEC NIC profile (RSSD 2736291)