Austin Bank, Texas N.A.: 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): 3.88 percentage points lower than in Q1 2026, at 128.85%. Within Texas, Austin Bank, Texas N.A. is 55th of 346 on loan-to-deposit ratio, 89.32% as of Q2 2026, above the middle of the field. At 89.32%, Austin Bank, Texas N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.50B |
| Net loans and leases | $2.46B |
| Loans held for sale | $795K |
| Loans to total assets | 75.03% |
| Loan-to-deposit ratio | 89.32% |
| Net loans to equity capital | 4.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.28% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 8.47% |
| Consumer | 4.83% |
| Credit cards | 0.00% |
| Farm | 2.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.85% |
| Construction concentration (Tier 1 capital + allowance) | 62.01% |
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 | 7.37% |
| Interest income on loans | $45.9M |
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 | $2.17B | $2.30B | 31.83% | 7.24% | 6.55% |
| Q4 2023 | $2.24B | $2.30B | 31.41% | 7.96% | 6.39% |
| Q1 2024 | $2.26B | $2.39B | 31.30% | 8.38% | 6.33% |
| Q2 2024 | $2.29B | $2.38B | 31.59% | 8.68% | 6.22% |
| Q3 2024 | $2.32B | $2.46B | 31.87% | 8.69% | 6.14% |
| Q4 2024 | $2.36B | $2.48B | 31.64% | 8.96% | 5.86% |
| Q1 2025 | $2.45B | $2.65B | 32.50% | 8.84% | 5.53% |
| Q2 2025 | $2.48B | $2.65B | 32.28% | 8.84% | 5.40% |
| Q3 2025 | $2.51B | $2.72B | 31.73% | 8.62% | 5.23% |
| Q4 2025 | $2.53B | $2.71B | 31.92% | 8.55% | 5.01% |
| Q1 2026 | $2.50B | $2.74B | 31.82% | 8.42% | 4.91% |
| Q2 2026 | $2.50B | $2.80B | 31.28% | 8.47% | 4.83% |
Austin Bank, Texas N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin Bank, Texas N.A., 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 Austin Bank, Texas N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3276) · FFIEC NIC profile (RSSD 548351)