Preferred 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 CRE concentration (Tier 1 capital + allowance): 9.25 percentage points lower than in Q1 2026, at 405.63%. Preferred Bank ranks 32nd of 114 California banks on loan-to-deposit ratio, in the upper half at 96.95% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Preferred Bank sits 8.75 points higher, at 96.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.28B |
| Net loans and leases | $6.20B |
| Loans held for sale | $8.3M |
| Loans to total assets | 81.22% |
| Loan-to-deposit ratio | 96.95% |
| Net loans to equity capital | 7.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.97% |
| Multifamily (5+ residential) | 9.34% |
| Commercial and industrial | 26.64% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.64% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 405.63% |
| Construction concentration (Tier 1 capital + allowance) | 75.50% |
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 | 7.18% |
| Interest income on loans | $108.6M |
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 | $5.14B | $5.68B | 42.60% | 26.55% | 0.00% |
| Q4 2023 | $5.28B | $5.71B | 41.70% | 26.33% | 0.00% |
| Q1 2024 | $5.34B | $5.81B | 41.35% | 25.59% | 0.00% |
| Q2 2024 | $5.44B | $5.88B | 41.29% | 25.14% | 0.00% |
| Q3 2024 | $5.58B | $5.87B | 40.36% | 24.40% | 0.00% |
| Q4 2024 | $5.65B | $5.92B | 40.17% | 25.07% | 0.00% |
| Q1 2025 | $5.64B | $6.08B | 40.62% | 24.29% | 0.00% |
| Q2 2025 | $5.75B | $6.08B | 39.18% | 26.03% | 0.00% |
| Q3 2025 | $5.88B | $6.24B | 39.02% | 26.63% | 0.00% |
| Q4 2025 | $6.07B | $6.35B | 39.68% | 25.72% | 0.00% |
| Q1 2026 | $6.13B | $6.43B | 41.63% | 25.79% | 0.00% |
| Q2 2026 | $6.28B | $6.48B | 40.97% | 26.64% | 0.00% |
Preferred Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Preferred 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 Preferred Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33539) · FFIEC NIC profile (RSSD 1918344)