Austin Capital 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 Consumer: 3.90 percentage points lower than in Q1 2026, at 52.46%. On loan-to-deposit ratio, Austin Capital Bank SSB ranks 3rd highest among the 346 banks headquartered in Texas, at 110.64% (Q2 2026). Austin Capital Bank SSB reported 110.64% on loan-to-deposit ratio for Q2 2026, 29.80 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $341.2M |
| Net loans and leases | $339.6M |
| Loans held for sale | $0 |
| Loans to total assets | 86.29% |
| Loan-to-deposit ratio | 110.64% |
| Net loans to equity capital | 7.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.10% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.91% |
| Consumer | 52.46% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.64% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $7.2M |
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 | $236.8M | $234.4M | 1.83% | 4.72% | 64.20% |
| Q4 2023 | $236.9M | $245.7M | 1.79% | 3.99% | 63.32% |
| Q1 2024 | $262.5M | $262.7M | 1.48% | 3.71% | 61.14% |
| Q2 2024 | $314.3M | $311.1M | 0.83% | 4.04% | 59.20% |
| Q3 2024 | $359.3M | $340.1M | 0.71% | 3.81% | 57.21% |
| Q4 2024 | $395.4M | $366.0M | 0.64% | 3.49% | 54.06% |
| Q1 2025 | $403.2M | $376.5M | 0.55% | 3.68% | 53.98% |
| Q2 2025 | $440.4M | $430.9M | 0.10% | 3.46% | 58.74% |
| Q3 2025 | $425.8M | $391.2M | 0.09% | 3.56% | 60.04% |
| Q4 2025 | $409.5M | $373.4M | 0.09% | 4.35% | 58.32% |
| Q1 2026 | $379.9M | $336.3M | 0.10% | 3.91% | 56.36% |
| Q2 2026 | $341.2M | $308.4M | 0.10% | 3.91% | 52.46% |
Austin Capital Bank SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin Capital 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 Austin Capital Bank SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58082) · FFIEC NIC profile (RSSD 3347911)