Retail · Antioch, California
Empire Shopping Center
Empire Shopping Center is financed with a $23.8M CMBS loan at 6.222% that reaches maturity on February 1, 2030, in 3 years and 3 months. As of the Sep 2026 servicer report, the latest filed for this loan, its status is current.
The loan
- Balance in tracked trusts
- $23,750,000
- Original balance (same notes)
- $23,750,000
- Interest rate
- 6.222% fixed
- Originated
- January 30, 2025
- Maturity
- February 1, 2030
- Payments
- Interest only for the full term
- Prepayment lockout ends
- March 31, 2027
- Prepayment premium ends
- July 31, 2029 (yield maintenance)
- Master servicer
- Midland Loan Services
- Originator
- BANA
Status
- Payment status
- Current (code 0)
- Special servicing
- No transfer reported
- Defeasance
- Partly defeased
The property
- Address
- 5865-5897 Lone Tree Way, Antioch, CA 94531
- Metro
- San Francisco-Oakland-Fremont, CA
- Built
- 2004
- Largest tenants
- PetSmart #0060; Office Deport #2367; Old Navy #3775
- Value at securitization
- $37.7M (Dec 2024)
Performance
| At securitization | Latest | |
|---|---|---|
| DSCR (NOI) | 1.74x | n/a |
| Occupancy | 91% | n/a |
| Net operating income | $2.6M | n/a |
Watch flags
Computed from the Morgan Stanley Bank of America Merrill Lynch Trust 2025-5C1 filing for the reporting period ending September 11, 2026, filed with the SEC October 2, 2026.
None this month. No flag in the cmbs.news screen applies to this loan.
cmbs.news's own rule-based labels on the filed fields (definitions), not a credit rating, a prediction or a view of the borrower.
The last 12 monthly reports
| Report month | Balance | Payment status | Special servicer | DSCR | Occupancy |
|---|---|---|---|---|---|
| September 2026 | $23.8M | Current | No | n/a | n/a |
| August 2026 | $23.8M | Current | No | n/a | n/a |
| July 2026 | $23.8M | Current | No | n/a | n/a |
| June 2026 | $23.8M | Current | No | n/a | n/a |
| May 2026 | $23.8M | Current | No | n/a | n/a |
| April 2026 | $23.8M | Current | No | 1.48x | 92% |
| March 2026 | $23.8M | Current | No | 1.37x | 91% |
| February 2026 | $23.8M | Current | No | 1.37x | 91% |
| January 2026 | $23.8M | Current | No | 1.37x | 91% |
| December 2025 | $23.8M | Current | No | 1.37x | 91% |
| November 2025 | $23.8M | Current | No | 1.37x | 91% |
| October 2025 | $23.8M | Current | No | n/a | n/a |
From each trust's ABS-EE filing for that month. Coverage and occupancy change only when the servicer reports new statements. If one trust holding a piece of the loan skipped a month, that month's balance reads low.
Where the loan sits
One trust holds this loan in the data.
| Trust | Loan no. | Balance | Report period | Source |
|---|---|---|---|---|
| Morgan Stanley Bank of America Merrill Lynch Trust 2025-5C1 | 14 | $23,750,000 | Sep 2026 | SEC filing, October 2, 2026 |
Other San Francisco-Oakland-Fremont loans due in 2030
| Property | Location | Type | Balance | Rate | Matures | DSCR | Occ. | Status |
|---|---|---|---|---|---|---|---|---|
| Burlingame Point | Burlingame, CA | Office | $360.0M | 3.017% | Jul 2030 | 2.68x | 100% | Current |
| Radius at Harbor Bay | Alameda, CA | Other | $166.4M | 6.126% | Jan 2030 | 1.48x | 90% | Current |
| 525 Market Street | San Francisco, CA | Office | $110.0M | 2.95% | Feb 2030 | 2.17x | 70% | Current |
| The Plaza at Walnut Creek | Walnut Creek, CA | Office | $97.2M | 6.598% | Feb 2030 | 2.87x | 93% | Current |
| 420 Taylor | San Francisco, CA | Office | $79.5M | 3.75% | Aug 2030 | 3.45x | 100% | Current |
| 525 Market | San Francisco, CA | Office | $50.0M | 2.95% | Feb 2030 | 2.12x | 72% | Current |
| Panoramic Berkeley | Berkeley, CA | Multifamily | $42.0M | 3.848% | Apr 2030 | 2.23x | 99% | Current |
| 1420 Harbor Bay Parkway | Alameda, CA | Mixed use | $41.6M | 6.126% | Jan 2030 | n/a | n/a | Current |
All loans maturing in 2030 · All San Francisco-Oakland-Fremont loans
Source: each trust's ABS-EE asset-data exhibit (Regulation AB Schedule AL) on SEC EDGAR, reporting period ending September 11, 2026. Servicers report these figures; cmbs.news does not audit them. How this page is built.