Angelina Savings Bank, SSB: 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 Construction concentration (Tier 1 capital + allowance): 9.48 percentage points lower than in Q1 2026, at 41.61%. Within Texas, Angelina Savings Bank, SSB is 240th of 346 on loan-to-deposit ratio, 61.22% as of Q2 2026, below the middle of the field. Angelina Savings Bank, SSB reported 61.22% on loan-to-deposit ratio for Q2 2026, 6.40 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $46.9M |
| Net loans and leases | $46.2M |
| Loans held for sale | $0 |
| Loans to total assets | 54.01% |
| Loan-to-deposit ratio | 61.22% |
| Net loans to equity capital | 4.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.13% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.03% |
| Consumer | 11.47% |
| Credit cards | 0.00% |
| Farm | 1.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.67% |
| Construction concentration (Tier 1 capital + allowance) | 41.61% |
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 | $813K |
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 | $41.8M | $65.7M | 9.47% | 15.26% | 26.11% |
| Q4 2023 | $40.6M | $64.9M | 9.83% | 15.03% | 26.02% |
| Q1 2024 | $39.9M | $68.2M | 9.87% | 16.85% | 24.73% |
| Q2 2024 | $38.2M | $73.0M | 10.16% | 14.73% | 23.88% |
| Q3 2024 | $37.7M | $72.7M | 10.90% | 14.49% | 22.26% |
| Q4 2024 | $36.9M | $71.4M | 10.78% | 14.91% | 21.80% |
| Q1 2025 | $37.9M | $71.9M | 15.39% | 10.64% | 20.67% |
| Q2 2025 | $37.8M | $72.9M | 14.52% | 11.16% | 19.12% |
| Q3 2025 | $39.7M | $79.9M | 10.65% | 11.66% | 17.51% |
| Q4 2025 | $45.8M | $76.2M | 10.90% | 15.57% | 14.03% |
| Q1 2026 | $45.4M | $74.8M | 12.43% | 15.97% | 12.80% |
| Q2 2026 | $46.9M | $76.7M | 12.13% | 16.03% | 11.47% |
Angelina Savings Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Angelina Savings Bank, SSB, 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 Angelina Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32018) · FFIEC NIC profile (RSSD 660879)