Seattle 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.
Construction concentration (Tier 1 capital + allowance) dropped 29.40 percentage points in Q2 2026, from 87.10% to 57.70%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Seattle Bank is 12th of 29 on loan-to-deposit ratio, 93.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Seattle Bank sits 13.24 points higher, at 93.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $736.5M |
| Net loans and leases | $721.4M |
| Loans held for sale | $80.9M |
| Loans to total assets | 82.61% |
| Loan-to-deposit ratio | 93.79% |
| Net loans to equity capital | 7.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.23% |
| Multifamily (5+ residential) | 10.05% |
| Commercial and industrial | 9.13% |
| Consumer | 35.68% |
| 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) | 168.43% |
| Construction concentration (Tier 1 capital + allowance) | 57.70% |
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 | 7.96% |
| Interest income on loans | $14.4M |
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 | $717.7M | $661.7M | 6.03% | 7.88% | 15.90% |
| Q4 2023 | $772.3M | $745.0M | 5.47% | 7.40% | 15.39% |
| Q1 2024 | $754.9M | $786.2M | 5.62% | 7.50% | 16.46% |
| Q2 2024 | $762.8M | $813.8M | 5.65% | 7.78% | 19.36% |
| Q3 2024 | $757.6M | $845.4M | 5.63% | 7.41% | 23.78% |
| Q4 2024 | $792.0M | $853.8M | 6.54% | 8.37% | 23.04% |
| Q1 2025 | $797.5M | $856.2M | 6.38% | 7.69% | 23.51% |
| Q2 2025 | $891.1M | $895.6M | 6.64% | 10.27% | 25.36% |
| Q3 2025 | $884.0M | $903.7M | 6.64% | 8.42% | 26.42% |
| Q4 2025 | $839.5M | $931.1M | 5.61% | 8.58% | 27.08% |
| Q1 2026 | $696.9M | $946.6M | 6.67% | 10.24% | 30.11% |
| Q2 2026 | $736.5M | $785.2M | 6.23% | 9.13% | 35.68% |
Seattle Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Seattle 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 Seattle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35139) · FFIEC NIC profile (RSSD 2838207)