River Valley Community 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): 8.03 percentage points lower than in Q1 2026, at 18.90%. On loan-to-deposit ratio, River Valley Community Bank is 8th from the bottom among 114 California banks, 57.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. River Valley Community Bank sits 23.34 points lower, at 57.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $405.3M |
| Net loans and leases | $400.3M |
| Loans held for sale | $0 |
| Loans to total assets | 51.11% |
| Loan-to-deposit ratio | 57.50% |
| Net loans to equity capital | 6.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 71.40% |
| Multifamily (5+ residential) | 8.82% |
| Commercial and industrial | 7.62% |
| Consumer | 1.88% |
| Credit cards | 0.00% |
| Farm | 2.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 275.97% |
| Construction concentration (Tier 1 capital + allowance) | 18.90% |
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 | 5.98% |
| Interest income on loans | $6.0M |
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 | $283.8M | $543.8M | 67.37% | 8.02% | 0.00% |
| Q4 2023 | $294.7M | $532.6M | 66.59% | 7.72% | 0.01% |
| Q1 2024 | $294.4M | $508.6M | 66.63% | 7.78% | 0.01% |
| Q2 2024 | $298.3M | $521.6M | 67.00% | 7.95% | 0.01% |
| Q3 2024 | $323.5M | $539.0M | 66.72% | 9.54% | 0.01% |
| Q4 2024 | $350.4M | $548.4M | 71.31% | 8.91% | 0.01% |
| Q1 2025 | $351.2M | $578.5M | 71.88% | 8.42% | 0.00% |
| Q2 2025 | $361.0M | $549.8M | 70.69% | 9.77% | 0.03% |
| Q3 2025 | $374.3M | $618.1M | 69.81% | 9.73% | 0.01% |
| Q4 2025 | $398.1M | $666.2M | 69.01% | 9.85% | 0.01% |
| Q1 2026 | $398.0M | $670.5M | 69.09% | 9.77% | 0.53% |
| Q2 2026 | $405.3M | $704.9M | 71.40% | 7.62% | 1.88% |
River Valley Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock River Valley Community 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 River Valley Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58276) · FFIEC NIC profile (RSSD 3451050)