State Bank of India (California): 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): 1.76 percentage points lower than in Q1 2026, at 275.11%. State Bank of India (California) ranks 24th of 114 California banks on loan-to-deposit ratio, in the upper half at 100.13% (Q2 2026). State Bank of India (California) reported 100.13% on loan-to-deposit ratio for Q2 2026, 11.93 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.18B |
| Net loans and leases | $1.17B |
| Loans held for sale | $0 |
| Loans to total assets | 85.55% |
| Loan-to-deposit ratio | 100.13% |
| Net loans to equity capital | 6.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.21% |
| Multifamily (5+ residential) | 5.64% |
| Commercial and industrial | 41.28% |
| Consumer | 0.00% |
| 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) | 275.11% |
| 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 | — |
| Interest income on loans | $17.2M |
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 | $971.8M | $935.3M | 56.26% | 36.43% | 0.00% |
| Q4 2023 | $996.3M | $961.0M | 57.08% | 35.76% | 0.00% |
| Q1 2024 | $1.03B | $993.3M | 56.22% | 36.77% | 0.00% |
| Q2 2024 | $991.8M | $982.6M | 58.36% | 34.39% | 0.00% |
| Q3 2024 | $1.06B | $1.05B | 55.77% | 37.49% | 0.00% |
| Q4 2024 | $1.07B | $1.05B | 56.61% | 36.86% | 0.00% |
| Q1 2025 | $1.11B | $1.09B | 53.34% | 40.35% | 0.00% |
| Q2 2025 | $1.14B | $1.12B | 52.61% | 41.28% | 0.00% |
| Q3 2025 | $1.14B | $1.13B | 52.10% | 42.46% | 0.00% |
| Q4 2025 | $1.17B | $1.14B | 51.14% | 42.80% | 0.00% |
| Q1 2026 | $1.21B | $1.19B | 50.60% | 42.79% | 0.00% |
| Q2 2026 | $1.18B | $1.18B | 52.21% | 41.28% | 0.00% |
State Bank of India (California) loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of India (California), 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 State Bank of India (California) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23998) · FFIEC NIC profile (RSSD 779968)