Redemption 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 Construction concentration (Tier 1 capital + allowance): 5.58 percentage points lower than in Q1 2026, at 57.60%. Within Utah, Redemption Bank is 20th of 44 on loan-to-deposit ratio, 94.34% as of Q2 2026, above the middle of the field. Redemption Bank reported 94.34% on loan-to-deposit ratio for Q2 2026, 26.72 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.3M |
| Net loans and leases | $58.5M |
| Loans held for sale | $0 |
| Loans to total assets | 76.55% |
| Loan-to-deposit ratio | 94.34% |
| Net loans to equity capital | 4.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.92% |
| Multifamily (5+ residential) | 7.57% |
| Commercial and industrial | 13.94% |
| Consumer | 0.52% |
| Credit cards | 0.06% |
| 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) | 152.56% |
| Construction concentration (Tier 1 capital + allowance) | 57.60% |
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 | 8.28% |
| Interest income on loans | $1.1M |
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 | $45.9M | $50.2M | 33.92% | 11.11% | 1.44% |
| Q4 2023 | $48.8M | $50.0M | 34.18% | 11.22% | 1.42% |
| Q1 2024 | $43.7M | $51.0M | 33.47% | 6.64% | 1.30% |
| Q2 2024 | $41.9M | $49.8M | 34.55% | 7.75% | 1.27% |
| Q3 2024 | $42.4M | $52.7M | 34.59% | 7.19% | 1.20% |
| Q4 2024 | $40.6M | $52.8M | 33.42% | 8.74% | 0.97% |
| Q1 2025 | $38.7M | $53.6M | 35.70% | 10.23% | 0.99% |
| Q2 2025 | $42.2M | $66.3M | 36.12% | 10.77% | 0.86% |
| Q3 2025 | $48.9M | $57.6M | 37.81% | 10.08% | 0.73% |
| Q4 2025 | $52.5M | $57.5M | 33.87% | 10.37% | 0.59% |
| Q1 2026 | $52.5M | $57.2M | 35.93% | 12.82% | 0.54% |
| Q2 2026 | $59.3M | $62.9M | 32.92% | 13.94% | 0.52% |
Redemption Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Redemption 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 Redemption Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21448) · FFIEC NIC profile (RSSD 617275)