Square Financial Services, Inc.: 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 Loan-to-deposit ratio: 19.32 percentage points higher than in Q1 2026, at 248.97%. As of Q2 2026, Square Financial Services, Inc. ranks first in Utah on loan-to-deposit ratio among 44 banks, at 248.97%. Against a median of 88.20% for banks in the $1B-10B asset tier, Square Financial Services, Inc. reported 248.97% on loan-to-deposit ratio in Q2 2026, 160.77 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.39B |
| Net loans and leases | $1.29B |
| Loans held for sale | $60.6M |
| Loans to total assets | 67.70% |
| Loan-to-deposit ratio | 248.97% |
| Net loans to equity capital | 0.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 33.95% |
| Consumer | 65.89% |
| 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) | 0.15% |
| 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 | 61.48% |
| Interest income on loans | $191.6M |
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 | $272.3M | $230.4M | 0.00% | 99.76% | 0.00% |
| Q4 2023 | $300.0M | $214.3M | 0.00% | 99.71% | 0.00% |
| Q1 2024 | $309.4M | $229.3M | 0.00% | 99.61% | 0.00% |
| Q2 2024 | $301.5M | $255.9M | 0.00% | 99.51% | 0.00% |
| Q3 2024 | $328.9M | $291.4M | 0.00% | 99.53% | 0.00% |
| Q4 2024 | $440.0M | $298.3M | 0.00% | 99.60% | 0.00% |
| Q1 2025 | $484.4M | $330.2M | 0.00% | 99.63% | 0.00% |
| Q2 2025 | $621.5M | $371.0M | 0.00% | 68.99% | 30.72% |
| Q3 2025 | $795.8M | $420.6M | 0.00% | 62.08% | 37.69% |
| Q4 2025 | $977.2M | $495.3M | 0.00% | 42.80% | 56.99% |
| Q1 2026 | $1.14B | $495.7M | 0.00% | 38.12% | 61.69% |
| Q2 2026 | $1.39B | $559.3M | 0.00% | 33.95% | 65.89% |
Square Financial Services, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Square Financial Services, Inc., 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 Square Financial Services, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59177) · FFIEC NIC profile (RSSD 5582846)