Atascosa 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 Commercial and industrial: 3.83 percentage points lower than in Q1 2026, at 27.57%. Atascosa Bank has the 23rd lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 29.09% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Atascosa Bank reported 29.09% on loan-to-deposit ratio in Q2 2026, 38.54 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.8M |
| Net loans and leases | $20.4M |
| Loans held for sale | $0 |
| Loans to total assets | 25.45% |
| Loan-to-deposit ratio | 29.09% |
| Net loans to equity capital | 2.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.37% |
| Multifamily (5+ residential) | 1.21% |
| Commercial and industrial | 27.57% |
| Consumer | 7.51% |
| Credit cards | 0.00% |
| Farm | 16.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.06% |
| Construction concentration (Tier 1 capital + allowance) | 11.24% |
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 | 6.79% |
| Interest income on loans | $361K |
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 | $16.5M | $82.8M | 13.37% | 32.20% | 12.64% |
| Q4 2023 | $16.6M | $80.8M | 16.80% | 31.04% | 12.02% |
| Q1 2024 | $17.1M | $80.1M | 17.98% | 32.25% | 11.35% |
| Q2 2024 | $18.2M | $76.0M | 27.54% | 25.84% | 10.36% |
| Q3 2024 | $19.2M | $77.9M | 26.04% | 24.46% | 10.98% |
| Q4 2024 | $19.2M | $79.2M | 27.62% | 23.89% | 10.61% |
| Q1 2025 | $20.1M | $77.7M | 28.00% | 22.38% | 9.75% |
| Q2 2025 | $23.2M | $78.6M | 20.19% | 22.74% | 8.18% |
| Q3 2025 | $22.0M | $77.9M | 18.88% | 24.36% | 8.24% |
| Q4 2025 | $21.9M | $78.5M | 18.14% | 28.49% | 7.33% |
| Q1 2026 | $21.2M | $74.7M | 18.55% | 31.41% | 7.79% |
| Q2 2026 | $20.8M | $71.5M | 19.37% | 27.57% | 7.51% |
Atascosa Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Atascosa 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 Atascosa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24064) · FFIEC NIC profile (RSSD 851060)