Austin County State 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): 10.43 percentage points higher than in Q1 2026, at 133.45%. Austin County State Bank ranks 129th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 79.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Austin County State Bank reported 79.94% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $391.5M |
| Net loans and leases | $384.4M |
| Loans held for sale | $0 |
| Loans to total assets | 72.10% |
| Loan-to-deposit ratio | 79.94% |
| Net loans to equity capital | 7.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.87% |
| Multifamily (5+ residential) | 0.54% |
| Commercial and industrial | 21.68% |
| Consumer | 0.91% |
| Credit cards | 0.00% |
| Farm | 4.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 133.45% |
| Construction concentration (Tier 1 capital + allowance) | 84.68% |
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 | 7.45% |
| Interest income on loans | $7.0M |
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 | $290.0M | $321.8M | 17.04% | 27.51% | 1.28% |
| Q4 2023 | $283.7M | $304.7M | 17.52% | 26.97% | 1.27% |
| Q1 2024 | $288.1M | $337.2M | 19.32% | 26.25% | 1.21% |
| Q2 2024 | $303.6M | $342.6M | 18.81% | 26.43% | 1.39% |
| Q3 2024 | $314.4M | $344.9M | 18.05% | 25.78% | 1.32% |
| Q4 2024 | $318.5M | $358.9M | 18.33% | 24.62% | 1.01% |
| Q1 2025 | $325.8M | $373.1M | 20.15% | 23.70% | 1.05% |
| Q2 2025 | $332.2M | $376.1M | 19.75% | 22.99% | 1.12% |
| Q3 2025 | $350.6M | $392.3M | 20.23% | 23.09% | 1.10% |
| Q4 2025 | $366.4M | $426.4M | 20.03% | 23.79% | 1.03% |
| Q1 2026 | $368.7M | $459.5M | 20.24% | 23.05% | 1.07% |
| Q2 2026 | $391.5M | $489.7M | 20.87% | 21.68% | 0.91% |
Austin County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin County State 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 Austin County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58484) · FFIEC NIC profile (RSSD 3463875)