The American National Bank of Mount Pleasant: 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.
Construction concentration (tier 1 capital + allowance) dropped 3.55 percentage points in Q2 2026, from 57.28% to 53.74%. It was the largest change from Q1 2026 among the key lines here. The American National Bank of Mount Pleasant ranks 182nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 71.63% (Q2 2026). The American National Bank of Mount Pleasant reported 71.63% on loan-to-deposit ratio for Q2 2026, 9.31 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.3M |
| Net loans and leases | $91.5M |
| Loans held for sale | $0 |
| Loans to total assets | 64.53% |
| Loan-to-deposit ratio | 71.63% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.27% |
| Multifamily (5+ residential) | 4.01% |
| Commercial and industrial | 12.85% |
| Consumer | 11.09% |
| Credit cards | 0.00% |
| Farm | 0.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.85% |
| Construction concentration (Tier 1 capital + allowance) | 53.74% |
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 | 8.24% |
| Interest income on loans | $1.9M |
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 | $73.9M | $121.6M | 15.89% | 11.17% | 15.07% |
| Q4 2023 | $76.2M | $118.2M | 15.31% | 12.54% | 14.60% |
| Q1 2024 | $80.3M | $120.5M | 14.94% | 14.33% | 13.76% |
| Q2 2024 | $78.7M | $122.1M | 15.05% | 14.75% | 14.38% |
| Q3 2024 | $78.3M | $119.6M | 14.77% | 13.79% | 14.56% |
| Q4 2024 | $83.2M | $117.3M | 16.10% | 12.87% | 14.05% |
| Q1 2025 | $84.4M | $123.8M | 16.35% | 12.87% | 13.63% |
| Q2 2025 | $88.4M | $123.3M | 16.95% | 13.52% | 12.17% |
| Q3 2025 | $90.5M | $130.4M | 16.28% | 13.66% | 11.92% |
| Q4 2025 | $92.7M | $127.5M | 18.70% | 13.90% | 11.31% |
| Q1 2026 | $90.1M | $131.0M | 21.23% | 12.14% | 11.40% |
| Q2 2026 | $93.3M | $130.3M | 21.27% | 12.85% | 11.09% |
The American National Bank of Mount Pleasant loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The American National Bank of Mount Pleasant, 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 The American National Bank of Mount Pleasant profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22942) · FFIEC NIC profile (RSSD 764067)