Sound 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.
Cre concentration (tier 1 capital + allowance) dropped 18.87 percentage points in Q2 2026, from 309.23% to 290.36%. It was the largest change from Q1 2026 among the key lines here. Sound Community Bank ranks 10th of 29 Washington banks on loan-to-deposit ratio, in the upper half at 95.35% (Q2 2026). Sound Community Bank reported 95.35% on loan-to-deposit ratio for Q2 2026, 7.15 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $893.6M |
| Net loans and leases | $885.1M |
| Loans held for sale | $1.6M |
| Loans to total assets | 83.83% |
| Loan-to-deposit ratio | 95.35% |
| Net loans to equity capital | 7.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.18% |
| Multifamily (5+ residential) | 18.52% |
| Commercial and industrial | 1.57% |
| Consumer | 16.07% |
| Credit cards | 0.00% |
| Farm | 0.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 290.36% |
| Construction concentration (Tier 1 capital + allowance) | 62.65% |
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 | 6.04% |
| Interest income on loans | $13.8M |
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 | $876.6M | $864.3M | 21.96% | 1.83% | 14.44% |
| Q4 2023 | $895.1M | $830.0M | 21.67% | 1.41% | 14.57% |
| Q1 2024 | $898.2M | $922.8M | 21.44% | 1.40% | 15.60% |
| Q2 2024 | $889.5M | $910.6M | 22.08% | 1.30% | 15.57% |
| Q3 2024 | $901.8M | $935.0M | 21.61% | 1.24% | 16.00% |
| Q4 2024 | $900.7M | $841.8M | 21.48% | 1.28% | 16.04% |
| Q1 2025 | $888.5M | $919.4M | 24.30% | 1.24% | 16.52% |
| Q2 2025 | $906.3M | $909.1M | 22.77% | 1.37% | 16.69% |
| Q3 2025 | $910.0M | $908.5M | 24.44% | 1.42% | 16.25% |
| Q4 2025 | $906.1M | $954.2M | 24.74% | 1.56% | 16.16% |
| Q1 2026 | $921.8M | $974.8M | 24.45% | 1.51% | 15.56% |
| Q2 2026 | $893.6M | $937.1M | 22.18% | 1.57% | 16.07% |
Sound Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sound 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 Sound Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57451) · FFIEC NIC profile (RSSD 429487)