Anahuac National 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): 6.84 percentage points lower than in Q1 2026, at 57.19%. Anahuac National Bank has the 31st lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 33.46% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Anahuac National Bank reported 33.46% on loan-to-deposit ratio in Q2 2026, 47.38 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.3M |
| Net loans and leases | $83.0M |
| Loans held for sale | $0 |
| Loans to total assets | 32.03% |
| Loan-to-deposit ratio | 33.46% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.67% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 22.31% |
| Consumer | 6.08% |
| Credit cards | 0.00% |
| Farm | 0.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.19% |
| Construction concentration (Tier 1 capital + allowance) | 9.04% |
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 | 7.59% |
| Interest income on loans | $1.7M |
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 | $92.2M | $238.3M | 41.26% | 14.76% | 6.25% |
| Q4 2023 | $90.8M | $229.5M | 41.58% | 15.79% | 6.12% |
| Q1 2024 | $92.8M | $267.6M | 41.32% | 16.11% | 5.84% |
| Q2 2024 | $92.4M | $220.7M | 39.76% | 15.36% | 6.00% |
| Q3 2024 | $89.9M | $219.4M | 40.78% | 17.26% | 6.31% |
| Q4 2024 | $88.4M | $224.5M | 43.48% | 18.42% | 6.38% |
| Q1 2025 | $93.0M | $281.1M | 45.88% | 17.71% | 5.83% |
| Q2 2025 | $88.1M | $256.0M | 44.59% | 19.37% | 6.20% |
| Q3 2025 | $85.8M | $234.4M | 42.62% | 19.25% | 6.54% |
| Q4 2025 | $87.6M | $241.7M | 42.00% | 20.09% | 6.46% |
| Q1 2026 | $88.3M | $284.5M | 41.01% | 22.82% | 6.24% |
| Q2 2026 | $85.3M | $255.1M | 40.67% | 22.31% | 6.08% |
Anahuac National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Anahuac National 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 Anahuac National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22381) · FFIEC NIC profile (RSSD 424352)