Tustin 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.
Loan-to-deposit ratio climbed 4.81 percentage points in Q2 2026, from 96.34% to 101.15%. It was the largest change from Q1 2026 among the key lines here. Tustin Community Bank ranks 21st of 114 California banks on loan-to-deposit ratio, in the upper half at 101.15% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Tustin Community Bank sits 33.53 points higher, at 101.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $70.3M |
| Net loans and leases | $68.1M |
| Loans held for sale | $0 |
| Loans to total assets | 81.19% |
| Loan-to-deposit ratio | 101.15% |
| Net loans to equity capital | 5.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.22% |
| Multifamily (5+ residential) | 16.99% |
| Commercial and industrial | 3.20% |
| Consumer | 40.73% |
| 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) | 165.47% |
| Construction concentration (Tier 1 capital + allowance) | 18.80% |
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 | 8.61% |
| Interest income on loans | $1.5M |
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 | $55.7M | $63.3M | 20.29% | 4.11% | 47.35% |
| Q4 2023 | $58.8M | $60.4M | 17.94% | 4.38% | 43.83% |
| Q1 2024 | $58.6M | $59.9M | 17.92% | 4.41% | 42.78% |
| Q2 2024 | $64.4M | $61.8M | 18.08% | 4.69% | 39.57% |
| Q3 2024 | $65.9M | $64.0M | 17.61% | 3.54% | 38.97% |
| Q4 2024 | $64.6M | $61.4M | 17.99% | 3.76% | 38.49% |
| Q1 2025 | $62.3M | $67.7M | 21.62% | 3.74% | 39.34% |
| Q2 2025 | $62.5M | $63.3M | 22.93% | 5.29% | 38.11% |
| Q3 2025 | $61.1M | $64.2M | 23.25% | 5.05% | 39.11% |
| Q4 2025 | $64.5M | $68.7M | 24.92% | 7.15% | 35.81% |
| Q1 2026 | $68.7M | $71.4M | 22.82% | 4.29% | 41.20% |
| Q2 2026 | $70.3M | $69.5M | 23.22% | 3.20% | 40.73% |
Tustin Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tustin 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 Tustin Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32908) · FFIEC NIC profile (RSSD 1418255)