Shinhan Bank America: 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.
Loan-to-deposit ratio dropped 10.41 percentage points in Q2 2026, from 104.51% to 94.11%. It was the largest change from Q1 2026 among the key lines here. Shinhan Bank America ranks 31st of 105 New York banks on loan-to-deposit ratio, in the upper half at 94.11% (Q2 2026). Shinhan Bank America reported 94.11% on loan-to-deposit ratio for Q2 2026, 5.91 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.81B |
| Net loans and leases | $1.79B |
| Loans held for sale | $0 |
| Loans to total assets | 80.85% |
| Loan-to-deposit ratio | 94.11% |
| Net loans to equity capital | 6.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.59% |
| Multifamily (5+ residential) | 2.36% |
| Commercial and industrial | 19.14% |
| Consumer | 0.04% |
| 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) | 257.26% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.63% |
| Interest income on loans | $24.9M |
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 | $1.48B | $1.61B | 63.33% | 15.38% | 0.11% |
| Q4 2023 | $1.47B | $1.45B | 62.43% | 15.34% | 0.11% |
| Q1 2024 | $1.46B | $1.53B | 60.48% | 16.45% | 0.11% |
| Q2 2024 | $1.45B | $1.40B | 59.77% | 16.06% | 0.13% |
| Q3 2024 | $1.47B | $1.49B | 59.16% | 15.66% | 0.12% |
| Q4 2024 | $1.48B | $1.50B | 58.78% | 16.09% | 0.12% |
| Q1 2025 | $1.55B | $1.58B | 57.88% | 16.88% | 0.11% |
| Q2 2025 | $1.59B | $1.62B | 56.26% | 17.77% | 0.10% |
| Q3 2025 | $1.63B | $1.59B | 56.22% | 18.16% | 0.08% |
| Q4 2025 | $1.66B | $1.59B | 58.16% | 15.91% | 0.09% |
| Q1 2026 | $1.74B | $1.66B | 55.59% | 18.64% | 0.08% |
| Q2 2026 | $1.81B | $1.92B | 54.59% | 19.14% | 0.04% |
Shinhan Bank America loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Shinhan Bank America, 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 Shinhan Bank America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33188) · FFIEC NIC profile (RSSD 1494914)