Tri Counties 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.
Loans held for sale dropped 55.1% in Q2 2026, from $4.2M to $1.9M. It was the largest change from Q1 2026 among the key lines here. Within California, Tri Counties Bank is 67th of 114 on loan-to-deposit ratio, 87.34% as of Q2 2026, below the middle of the field. At 87.34%, Tri Counties Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.31B |
| Net loans and leases | $7.18B |
| Loans held for sale | $1.9M |
| Loans to total assets | 73.65% |
| Loan-to-deposit ratio | 87.34% |
| Net loans to equity capital | 5.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.46% |
| Multifamily (5+ residential) | 15.82% |
| Commercial and industrial | 6.30% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 3.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 309.48% |
| Construction concentration (Tier 1 capital + allowance) | 22.91% |
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 | 5.84% |
| Interest income on loans | $104.5M |
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 | $6.71B | $8.02B | 46.64% | 8.63% | 0.97% |
| Q4 2023 | $6.79B | $7.84B | 46.71% | 8.33% | 1.05% |
| Q1 2024 | $6.80B | $8.00B | 46.98% | 7.79% | 1.09% |
| Q2 2024 | $6.74B | $8.06B | 47.38% | 7.83% | 1.00% |
| Q3 2024 | $6.69B | $8.05B | 47.85% | 6.90% | 0.91% |
| Q4 2024 | $6.77B | $8.10B | 48.52% | 6.59% | 0.82% |
| Q1 2025 | $6.82B | $8.21B | 49.04% | 6.27% | 0.76% |
| Q2 2025 | $6.96B | $8.38B | 49.37% | 6.16% | 0.67% |
| Q3 2025 | $7.01B | $8.34B | 49.75% | 5.85% | 0.59% |
| Q4 2025 | $7.11B | $8.27B | 49.43% | 5.90% | 0.53% |
| Q1 2026 | $7.07B | $8.41B | 50.26% | 5.95% | 0.49% |
| Q2 2026 | $7.31B | $8.37B | 49.46% | 6.30% | 0.42% |
Tri Counties Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri Counties 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 Tri Counties Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21943) · FFIEC NIC profile (RSSD 100562)