Scottsdale 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 CRE concentration (Tier 1 capital + allowance): 25.37 percentage points higher than in Q1 2026, at 153.49%. Scottsdale Community Bank ranks 5th of 12 Arizona banks on loan-to-deposit ratio, in the upper half at 102.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Scottsdale Community Bank sits 21.36 points higher, at 102.20% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $101.9M |
| Net loans and leases | $101.2M |
| Loans held for sale | $0 |
| Loans to total assets | 81.38% |
| Loan-to-deposit ratio | 102.20% |
| Net loans to equity capital | 7.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.58% |
| Multifamily (5+ residential) | 1.44% |
| Commercial and industrial | 10.67% |
| Consumer | 0.48% |
| 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) | 153.49% |
| Construction concentration (Tier 1 capital + allowance) | 16.65% |
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 | 6.50% |
| Interest income on loans | $1.6M |
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 | $30.2M | $27.3M | 17.55% | 18.90% | 0.51% |
| Q4 2023 | $33.6M | $30.6M | 16.75% | 16.85% | 0.43% |
| Q1 2024 | $41.8M | $39.5M | 29.31% | 14.95% | 0.12% |
| Q2 2024 | $44.4M | $39.7M | 27.48% | 13.15% | 0.12% |
| Q3 2024 | $47.5M | $53.0M | 23.70% | 13.64% | 0.83% |
| Q4 2024 | $54.7M | $55.4M | 20.63% | 10.54% | 1.00% |
| Q1 2025 | $60.2M | $65.9M | 19.64% | 11.76% | 0.54% |
| Q2 2025 | $67.5M | $68.5M | 18.10% | 10.41% | 0.54% |
| Q3 2025 | $74.9M | $76.5M | 15.54% | 10.25% | 0.52% |
| Q4 2025 | $85.8M | $86.6M | 21.09% | 10.57% | 0.40% |
| Q1 2026 | $95.1M | $94.6M | 20.76% | 11.63% | 0.60% |
| Q2 2026 | $101.9M | $99.7M | 22.58% | 10.67% | 0.48% |
Scottsdale Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Scottsdale 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 Scottsdale Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59203) · FFIEC NIC profile (RSSD 5691319)