United Pacific 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.
Cre concentration (tier 1 capital + allowance) climbed 37.79 percentage points in Q2 2026, from 309.68% to 347.47%. It was the largest change from Q1 2026 among the key lines here. Within California, United Pacific Bank is 29th of 114 on loan-to-deposit ratio, 98.53% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Pacific Bank sits 17.69 points higher, at 98.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $154.5M |
| Net loans and leases | $152.0M |
| Loans held for sale | $0 |
| Loans to total assets | 80.87% |
| Loan-to-deposit ratio | 98.53% |
| Net loans to equity capital | 4.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 83.56% |
| Multifamily (5+ residential) | 12.08% |
| Commercial and industrial | 3.51% |
| 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) | 347.47% |
| Construction concentration (Tier 1 capital + allowance) | 3.72% |
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 | 7.49% |
| Interest income on loans | $2.7M |
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 | $113.3M | $121.1M | 75.20% | 1.81% | 0.00% |
| Q4 2023 | $114.2M | $118.1M | 73.92% | 2.50% | 0.00% |
| Q1 2024 | $112.7M | $121.2M | 76.52% | 2.58% | 0.00% |
| Q2 2024 | $114.2M | $121.0M | 77.67% | 2.91% | 0.00% |
| Q3 2024 | $116.5M | $120.3M | 77.45% | 3.26% | 0.00% |
| Q4 2024 | $123.5M | $125.8M | 75.63% | 2.48% | 0.00% |
| Q1 2025 | $128.4M | $131.9M | 78.46% | 2.39% | 0.00% |
| Q2 2025 | $130.2M | $142.6M | 81.22% | 2.26% | 0.00% |
| Q3 2025 | $140.1M | $152.7M | 80.80% | 5.32% | 0.00% |
| Q4 2025 | $137.6M | $151.8M | 81.23% | 4.71% | 0.00% |
| Q1 2026 | $139.3M | $153.0M | 82.56% | 3.93% | 0.00% |
| Q2 2026 | $154.5M | $156.8M | 83.56% | 3.51% | 0.00% |
United Pacific Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Pacific 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 United Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23805) · FFIEC NIC profile (RSSD 609467)