SMBC Manubank: 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.
Consumer dropped 30.44 percentage points in Q2 2026, from 30.44% to 0.01%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, SMBC Manubank is 6th from the bottom among 114 California banks, 48.23% (Q2 2026). SMBC Manubank reported 48.23% on loan-to-deposit ratio for Q2 2026, 39.97 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.68B |
| Net loans and leases | $2.68B |
| Loans held for sale | $2.68B |
| Loans to total assets | 40.68% |
| Loan-to-deposit ratio | 48.23% |
| Net loans to equity capital | 3.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.11% |
| Multifamily (5+ residential) | 6.76% |
| Commercial and industrial | 48.29% |
| Consumer | 0.01% |
| 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) | 168.96% |
| Construction concentration (Tier 1 capital + allowance) | 47.07% |
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 | -0.16% |
| Interest income on loans | -$1.5M |
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 | $3.01B | $3.73B | 33.45% | 41.26% | 2.73% |
| Q4 2023 | $3.13B | $3.74B | 31.69% | 36.53% | 9.62% |
| Q1 2024 | $3.38B | $4.04B | 28.96% | 32.61% | 17.44% |
| Q2 2024 | $3.75B | $4.53B | 26.54% | 28.15% | 25.62% |
| Q3 2024 | $4.02B | $4.73B | 24.64% | 26.48% | 30.08% |
| Q4 2024 | $4.11B | $5.05B | 24.10% | 27.22% | 30.36% |
| Q1 2025 | $4.23B | $5.42B | 23.21% | 29.07% | 29.83% |
| Q2 2025 | $4.49B | $5.57B | 21.54% | 30.73% | 30.16% |
| Q3 2025 | $4.66B | $6.31B | 19.72% | 32.99% | 31.00% |
| Q4 2025 | $4.67B | $6.57B | 20.05% | 32.76% | 32.20% |
| Q1 2026 | $4.33B | $6.73B | 20.01% | 34.64% | 30.44% |
| Q2 2026 | $2.68B | $5.56B | 30.11% | 48.29% | 0.01% |
SMBC Manubank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock SMBC Manubank, 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 SMBC Manubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18618) · FFIEC NIC profile (RSSD 930965)