US Metro 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 12.07 percentage points in Q2 2026, from 379.59% to 391.66%. It was the largest change from Q1 2026 among the key lines here. Within California, US Metro Bank is 39th of 114 on loan-to-deposit ratio, 95.40% as of Q2 2026, above the middle of the field. US Metro Bank reported 95.40% on loan-to-deposit ratio for Q2 2026, 7.19 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.37B |
| Net loans and leases | $1.35B |
| Loans held for sale | $39.1M |
| Loans to total assets | 83.57% |
| Loan-to-deposit ratio | 95.40% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 68.20% |
| Multifamily (5+ residential) | 3.96% |
| Commercial and industrial | 7.00% |
| 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) | 391.66% |
| Construction concentration (Tier 1 capital + allowance) | 16.95% |
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 | $22.1M |
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 | $960.6M | $1.04B | 64.77% | 3.98% | 0.00% |
| Q4 2023 | $1.02B | $1.06B | 63.74% | 4.47% | 0.00% |
| Q1 2024 | $1.08B | $1.13B | 62.26% | 5.24% | 0.00% |
| Q2 2024 | $1.13B | $1.18B | 61.26% | 4.44% | 0.00% |
| Q3 2024 | $1.13B | $1.22B | 61.58% | 4.56% | 0.00% |
| Q4 2024 | $1.18B | $1.23B | 61.38% | 5.82% | 0.00% |
| Q1 2025 | $1.20B | $1.24B | 63.34% | 6.41% | 0.00% |
| Q2 2025 | $1.23B | $1.28B | 63.21% | 6.51% | 0.00% |
| Q3 2025 | $1.27B | $1.38B | 65.18% | 6.94% | 0.00% |
| Q4 2025 | $1.28B | $1.35B | 65.69% | 7.28% | 0.00% |
| Q1 2026 | $1.30B | $1.36B | 66.23% | 7.63% | 0.00% |
| Q2 2026 | $1.37B | $1.44B | 68.20% | 7.00% | 0.00% |
US Metro Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock US Metro 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 US Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58310) · FFIEC NIC profile (RSSD 3470154)