Prime Alliance 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 Loan-to-deposit ratio: 2.03 percentage points higher than in Q1 2026, at 91.52%. Within Utah, Prime Alliance Bank is 23rd of 44 on loan-to-deposit ratio, 91.52% as of Q2 2026, below the middle of the field. Prime Alliance Bank reported 91.52% on loan-to-deposit ratio for Q2 2026, 3.32 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $884.2M |
| Net loans and leases | $858.6M |
| Loans held for sale | $0 |
| Loans to total assets | 81.41% |
| Loan-to-deposit ratio | 91.52% |
| Net loans to equity capital | 7.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.76% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 65.21% |
| 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) | 22.05% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 9.33% |
| Interest income on loans | $12.6M |
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 | $608.3M | $659.5M | 7.98% | 57.66% | 0.00% |
| Q4 2023 | $591.0M | $667.2M | 8.61% | 57.00% | 0.00% |
| Q1 2024 | $581.2M | $649.3M | 8.54% | 58.16% | 0.00% |
| Q2 2024 | $602.5M | $667.8M | 7.46% | 58.72% | 0.00% |
| Q3 2024 | $599.5M | $704.0M | 8.09% | 58.04% | 0.00% |
| Q4 2024 | $666.9M | $764.8M | 8.25% | 58.02% | 0.00% |
| Q1 2025 | $710.6M | $804.3M | 6.19% | 61.41% | 0.00% |
| Q2 2025 | $798.1M | $886.1M | 6.03% | 62.30% | 0.00% |
| Q3 2025 | $870.5M | $968.8M | 6.28% | 65.25% | 0.00% |
| Q4 2025 | $852.9M | $968.3M | 4.31% | 65.11% | 0.00% |
| Q1 2026 | $846.3M | $945.6M | 3.77% | 64.47% | 0.00% |
| Q2 2026 | $884.2M | $966.1M | 3.76% | 65.21% | 0.00% |
Prime Alliance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prime Alliance 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 Prime Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57920) · FFIEC NIC profile (RSSD 3309571)