USAA Federal Savings 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 climbed 227.9% in Q2 2026, from $551.0M to $1.81B. It was the largest change from Q1 2026 among the key lines here. USAA Federal Savings Bank has the 2nd lowest loan-to-deposit ratio of the 12 banks headquartered in Arizona, at 50.25% as of Q2 2026. USAA Federal Savings Bank reported 50.25% on loan-to-deposit ratio for Q2 2026, 30.86 points below the 81.12% median for banks in the $100B-250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $46.22B |
| Net loans and leases | $44.32B |
| Loans held for sale | $1.81B |
| Loans to total assets | 43.52% |
| Loan-to-deposit ratio | 50.25% |
| Net loans to equity capital | 7.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 93.01% |
| Credit cards | 40.31% |
| 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) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 9.59% |
| Interest income on loans | $1.08B |
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 | $44.01B | $97.16B | 0.00% | 0.00% | 93.48% |
| Q4 2023 | $44.76B | $97.38B | 0.00% | 0.00% | 94.15% |
| Q1 2024 | $44.03B | $100.65B | 0.00% | 0.00% | 94.14% |
| Q2 2024 | $44.30B | $98.09B | 0.00% | 0.00% | 93.96% |
| Q3 2024 | $44.64B | $95.41B | 0.00% | 0.00% | 94.22% |
| Q4 2024 | $45.14B | $95.96B | 0.00% | 0.00% | 94.24% |
| Q1 2025 | $43.74B | $97.29B | 0.00% | 0.00% | 94.66% |
| Q2 2025 | $44.02B | $92.77B | 0.00% | 0.00% | 94.81% |
| Q3 2025 | $44.12B | $90.80B | 0.00% | 0.00% | 95.09% |
| Q4 2025 | $45.05B | $93.39B | 0.00% | 0.00% | 95.15% |
| Q1 2026 | $44.28B | $94.94B | 0.00% | 0.00% | 95.37% |
| Q2 2026 | $46.22B | $91.97B | 0.00% | 0.00% | 93.01% |
USAA Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock USAA Federal Savings 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 USAA Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32188) · FFIEC NIC profile (RSSD 619877)