Sound Banking Company: 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): 21.35 percentage points higher than in Q1 2026, at 220.29%. Within Washington, Sound Banking Company is 7th of 29 on loan-to-deposit ratio, 98.14% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Sound Banking Company sits 30.52 points higher, at 98.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.8M |
| Net loans and leases | $38.2M |
| Loans held for sale | $0 |
| Loans to total assets | 85.98% |
| Loan-to-deposit ratio | 98.14% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.01% |
| Multifamily (5+ residential) | 11.09% |
| Commercial and industrial | 5.02% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 1.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 220.29% |
| Construction concentration (Tier 1 capital + allowance) | 105.17% |
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 | 8.44% |
| Interest income on loans | $805K |
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 | $38.4M | $44.5M | 27.22% | 9.17% | 0.77% |
| Q4 2023 | $37.9M | $37.0M | 28.21% | 9.50% | 0.76% |
| Q1 2024 | $37.6M | $41.0M | 27.20% | 10.95% | 0.75% |
| Q2 2024 | $38.0M | $38.9M | 26.35% | 11.54% | 0.16% |
| Q3 2024 | $38.5M | $44.5M | 26.06% | 11.30% | 0.11% |
| Q4 2024 | $37.3M | $42.1M | 27.55% | 8.52% | 0.11% |
| Q1 2025 | $38.3M | $46.2M | 26.58% | 8.39% | 0.10% |
| Q2 2025 | $39.6M | $45.9M | 26.58% | 8.51% | 0.09% |
| Q3 2025 | $39.9M | $45.9M | 25.43% | 7.59% | 0.08% |
| Q4 2025 | $39.7M | $39.9M | 25.13% | 6.96% | 0.08% |
| Q1 2026 | $36.2M | $36.4M | 25.99% | 5.89% | 0.08% |
| Q2 2026 | $38.8M | $39.6M | 25.01% | 5.02% | 0.07% |
Sound Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sound Banking Company, 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 Sound Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33183) · FFIEC NIC profile (RSSD 1494482)