Western Alliance 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): 6.86 percentage points lower than in Q1 2026, at 200.07%. Within Arizona, Western Alliance Bank is 8th of 12 on loan-to-deposit ratio, 79.66% as of Q2 2026, below the middle of the field. Western Alliance Bank reported 79.66% on loan-to-deposit ratio for Q2 2026, 7.18 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.57B |
| Net loans and leases | $65.09B |
| Loans held for sale | $4.63B |
| Loans to total assets | 66.53% |
| Loan-to-deposit ratio | 79.66% |
| Net loans to equity capital | 8.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.84% |
| Multifamily (5+ residential) | 0.99% |
| Commercial and industrial | 18.36% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.07% |
| Construction concentration (Tier 1 capital + allowance) | 48.44% |
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 | 5.80% |
| Interest income on loans | $940.3M |
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 | $51.33B | $54.29B | 20.80% | 16.19% | 0.06% |
| Q4 2023 | $51.90B | $55.69B | 20.52% | 17.06% | 0.06% |
| Q1 2024 | $52.82B | $62.62B | 20.04% | 16.68% | 0.05% |
| Q2 2024 | $54.74B | $66.60B | 19.43% | 17.58% | 0.05% |
| Q3 2024 | $56.01B | $68.36B | 19.30% | 17.98% | 0.05% |
| Q4 2024 | $56.28B | $66.76B | 19.21% | 16.63% | 0.01% |
| Q1 2025 | $58.38B | $69.72B | 18.74% | 16.42% | 0.01% |
| Q2 2025 | $59.33B | $71.38B | 18.69% | 16.84% | 0.01% |
| Q3 2025 | $60.52B | $77.52B | 18.24% | 16.94% | 0.01% |
| Q4 2025 | $62.29B | $77.64B | 17.74% | 18.08% | 0.01% |
| Q1 2026 | $63.26B | $83.22B | 17.54% | 18.02% | 0.01% |
| Q2 2026 | $65.57B | $82.32B | 16.84% | 18.36% | 0.01% |
Western Alliance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Alliance 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 Western Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57512) · FFIEC NIC profile (RSSD 3138146)