American Bank of Commerce: 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): 2.80 percentage points higher than in Q1 2026, at 336.62%. American Bank of Commerce ranks 71st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 87.48% (Q2 2026). At 87.48%, American Bank of Commerce'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 | $1.26B |
| Net loans and leases | $1.25B |
| Loans held for sale | $0 |
| Loans to total assets | 67.83% |
| Loan-to-deposit ratio | 87.48% |
| Net loans to equity capital | 8.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.87% |
| Multifamily (5+ residential) | 7.56% |
| Commercial and industrial | 18.42% |
| Consumer | 0.33% |
| Credit cards | 0.06% |
| Farm | 0.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 336.62% |
| Construction concentration (Tier 1 capital + allowance) | 135.40% |
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 | 6.85% |
| Interest income on loans | $21.2M |
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 | $912.2M | $1.30B | 41.07% | 21.13% | 0.50% |
| Q4 2023 | $904.1M | $1.29B | 41.12% | 20.56% | 0.51% |
| Q1 2024 | $877.1M | $1.30B | 41.70% | 17.47% | 0.52% |
| Q2 2024 | $879.0M | $1.27B | 41.22% | 16.93% | 0.50% |
| Q3 2024 | $895.7M | $1.32B | 41.41% | 17.34% | 0.52% |
| Q4 2024 | $894.2M | $1.33B | 40.31% | 17.93% | 0.49% |
| Q1 2025 | $926.6M | $1.32B | 40.53% | 17.54% | 0.47% |
| Q2 2025 | $947.7M | $1.37B | 43.18% | 15.75% | 0.47% |
| Q3 2025 | $983.3M | $1.33B | 43.59% | 17.80% | 0.48% |
| Q4 2025 | $1.07B | $1.30B | 42.92% | 19.80% | 0.41% |
| Q1 2026 | $1.22B | $1.39B | 43.75% | 18.09% | 0.36% |
| Q2 2026 | $1.26B | $1.44B | 43.87% | 18.42% | 0.33% |
American Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of Commerce, 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 American Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18609) · FFIEC NIC profile (RSSD 215662)