West Coast 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.22 percentage points higher than in Q1 2026, at 361.93%. West Coast Community Bank ranks 61st of 114 California banks on loan-to-deposit ratio, in the lower half at 90.00% (Q2 2026). At 90.00%, West Coast Community 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 | $2.27B |
| Net loans and leases | $2.24B |
| Loans held for sale | $0 |
| Loans to total assets | 77.15% |
| Loan-to-deposit ratio | 90.00% |
| Net loans to equity capital | 5.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.79% |
| Multifamily (5+ residential) | 10.63% |
| Commercial and industrial | 10.13% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 3.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 361.93% |
| Construction concentration (Tier 1 capital + allowance) | 68.98% |
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 | 6.91% |
| Interest income on loans | $38.6M |
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 | $1.38B | $1.53B | 58.08% | 12.06% | 0.14% |
| Q4 2023 | $1.41B | $1.52B | 57.36% | 12.44% | 0.03% |
| Q1 2024 | $1.38B | $1.46B | 58.71% | 11.02% | 0.03% |
| Q2 2024 | $1.39B | $1.43B | 58.38% | 10.43% | 0.06% |
| Q3 2024 | $1.39B | $1.53B | 58.00% | 10.72% | 0.09% |
| Q4 2024 | $2.05B | $2.31B | 57.28% | 10.20% | 0.03% |
| Q1 2025 | $2.11B | $2.26B | 56.15% | 11.34% | 0.03% |
| Q2 2025 | $2.11B | $2.26B | 56.15% | 10.66% | 0.03% |
| Q3 2025 | $2.13B | $2.44B | 54.71% | 11.18% | 0.04% |
| Q4 2025 | $2.17B | $2.48B | 55.41% | 11.74% | 0.04% |
| Q1 2026 | $2.22B | $2.48B | 55.12% | 10.65% | 0.01% |
| Q2 2026 | $2.27B | $2.52B | 55.79% | 10.13% | 0.00% |
West Coast Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Coast 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 West Coast Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57591) · FFIEC NIC profile (RSSD 3235410)