Savings Bank of Mendocino County: 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): 4.76 percentage points lower than in Q1 2026, at 200.39%. Within California, Savings Bank of Mendocino County is 95th of 114 on loan-to-deposit ratio, 72.22% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Savings Bank of Mendocino County sits 15.99 points lower, at 72.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $749.1M |
| Net loans and leases | $730.6M |
| Loans held for sale | $0 |
| Loans to total assets | 58.34% |
| Loan-to-deposit ratio | 72.22% |
| Net loans to equity capital | 3.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 67.56% |
| Multifamily (5+ residential) | 6.67% |
| Commercial and industrial | 7.80% |
| Consumer | 4.30% |
| Credit cards | 0.00% |
| Farm | 1.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.39% |
| Construction concentration (Tier 1 capital + allowance) | 0.57% |
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 | 5.99% |
| Interest income on loans | $11.2M |
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 | $701.1M | $1.09B | 65.67% | 9.00% | 2.68% |
| Q4 2023 | $702.3M | $1.05B | 66.03% | 8.72% | 2.83% |
| Q1 2024 | $719.3M | $1.02B | 64.47% | 8.93% | 4.81% |
| Q2 2024 | $726.6M | $992.8M | 64.37% | 9.37% | 4.74% |
| Q3 2024 | $717.1M | $1.01B | 65.34% | 8.27% | 4.72% |
| Q4 2024 | $741.0M | $1.02B | 66.02% | 8.90% | 4.58% |
| Q1 2025 | $745.3M | $1.02B | 65.87% | 8.81% | 4.47% |
| Q2 2025 | $762.5M | $1.02B | 66.52% | 8.93% | 4.34% |
| Q3 2025 | $751.5M | $1.05B | 66.46% | 8.78% | 4.48% |
| Q4 2025 | $753.5M | $1.03B | 66.99% | 8.38% | 4.43% |
| Q1 2026 | $752.5M | $1.04B | 66.77% | 7.84% | 4.36% |
| Q2 2026 | $749.1M | $1.04B | 67.56% | 7.80% | 4.30% |
Savings Bank of Mendocino County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Savings Bank of Mendocino County, 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 Savings Bank of Mendocino County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8011) · FFIEC NIC profile (RSSD 146663)