Sunwest 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.62 percentage points lower than in Q1 2026, at 325.14%. Sunwest Bank ranks 14th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 103.69% (Q2 2026). Sunwest Bank reported 103.69% on loan-to-deposit ratio for Q2 2026, 15.49 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.52B |
| Net loans and leases | $3.46B |
| Loans held for sale | $0 |
| Loans to total assets | 79.85% |
| Loan-to-deposit ratio | 103.69% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.23% |
| Multifamily (5+ residential) | 6.38% |
| Commercial and industrial | 20.62% |
| Consumer | 5.62% |
| 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) | 325.14% |
| Construction concentration (Tier 1 capital + allowance) | 38.21% |
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 | $52.5M |
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 | $2.05B | $2.49B | 66.40% | 12.82% | 5.22% |
| Q4 2023 | $2.16B | $2.56B | 64.03% | 14.97% | 5.34% |
| Q1 2024 | $2.40B | $2.56B | 61.99% | 14.62% | 5.82% |
| Q2 2024 | $2.55B | $2.58B | 61.25% | 15.39% | 5.63% |
| Q3 2024 | $2.71B | $2.66B | 59.80% | 16.59% | 5.55% |
| Q4 2024 | $2.84B | $2.84B | 59.24% | 12.42% | 5.57% |
| Q1 2025 | $2.92B | $2.98B | 58.53% | 11.68% | 5.90% |
| Q2 2025 | $3.07B | $3.15B | 57.63% | 11.38% | 5.90% |
| Q3 2025 | $3.08B | $3.22B | 55.51% | 14.66% | 5.94% |
| Q4 2025 | $3.34B | $3.18B | 52.32% | 17.91% | 5.60% |
| Q1 2026 | $3.46B | $3.45B | 51.04% | 20.05% | 5.56% |
| Q2 2026 | $3.52B | $3.40B | 50.23% | 20.62% | 5.62% |
Sunwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunwest 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 Sunwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20164) · FFIEC NIC profile (RSSD 140362)