American State 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.
Construction concentration (tier 1 capital + allowance) dropped 5.44 percentage points in Q2 2026, from 62.47% to 57.03%. It was the largest change from Q1 2026 among the key lines here. Within Texas, American State Bank is 87th of 346 on loan-to-deposit ratio, 85.43% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American State Bank sits 4.59 points higher, at 85.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $457.5M |
| Net loans and leases | $452.0M |
| Loans held for sale | $0 |
| Loans to total assets | 71.73% |
| Loan-to-deposit ratio | 85.43% |
| Net loans to equity capital | 5.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.54% |
| Multifamily (5+ residential) | 3.79% |
| Commercial and industrial | 6.32% |
| Consumer | 1.13% |
| Credit cards | 0.05% |
| Farm | 1.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 370.59% |
| Construction concentration (Tier 1 capital + allowance) | 57.03% |
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 | — |
| Interest income on loans | $7.1M |
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 | $776.0M | $850.9M | 44.21% | 10.65% | 1.77% |
| Q4 2023 | $757.2M | $830.1M | 46.70% | 9.96% | 1.82% |
| Q1 2024 | $725.0M | $834.0M | 46.65% | 9.03% | 1.77% |
| Q2 2024 | $698.9M | $797.9M | 47.07% | 8.19% | 2.00% |
| Q3 2024 | $694.3M | $803.4M | 49.61% | 7.50% | 1.96% |
| Q4 2024 | $519.8M | $576.4M | 48.06% | 5.70% | 1.31% |
| Q1 2025 | $521.2M | $571.9M | 49.70% | 5.86% | 1.22% |
| Q2 2025 | $495.2M | $545.2M | 50.75% | 4.80% | 1.23% |
| Q3 2025 | $497.5M | $556.8M | 51.38% | 4.62% | 1.15% |
| Q4 2025 | $485.5M | $555.8M | 52.03% | 4.40% | 1.06% |
| Q1 2026 | $452.9M | $551.4M | 55.48% | 5.90% | 1.29% |
| Q2 2026 | $457.5M | $535.5M | 54.54% | 6.32% | 1.13% |
American State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American State 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 American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9967) · FFIEC NIC profile (RSSD 262358)