Avana 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 Loan-to-deposit ratio: 1.99 percentage points lower than in Q1 2026, at 46.78%. Avana Bank ranks 282nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 46.78% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Avana Bank sits 20.54 points lower, at 46.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.3M |
| Net loans and leases | $14.2M |
| Loans held for sale | $0 |
| Loans to total assets | 36.18% |
| Loan-to-deposit ratio | 46.78% |
| Net loans to equity capital | 1.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 62.37% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.08% |
| Consumer | 2.86% |
| Credit cards | 0.00% |
| Farm | 0.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 126.38% |
| Construction concentration (Tier 1 capital + allowance) | 7.00% |
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 | 7.30% |
| Interest income on loans | $265K |
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 | $10.5M | $26.1M | 13.77% | 28.91% | 6.53% |
| Q4 2023 | $9.6M | $28.1M | 14.66% | 32.96% | 6.97% |
| Q1 2024 | $10.8M | $31.7M | 12.47% | 32.53% | 6.98% |
| Q2 2024 | $9.4M | $29.4M | 13.95% | 38.47% | 8.13% |
| Q3 2024 | $9.4M | $30.4M | 13.74% | 40.95% | 7.67% |
| Q4 2024 | $8.7M | $30.3M | 34.67% | 23.29% | 8.11% |
| Q1 2025 | $8.9M | $33.0M | 33.31% | 25.10% | 7.42% |
| Q2 2025 | $10.5M | $29.6M | 45.02% | 21.73% | 5.85% |
| Q3 2025 | $10.1M | $29.2M | 46.40% | 22.35% | 5.72% |
| Q4 2025 | $13.0M | $31.1M | 58.79% | 17.58% | 4.37% |
| Q1 2026 | $14.7M | $30.2M | 63.99% | 13.92% | 3.61% |
| Q2 2026 | $14.3M | $30.6M | 62.37% | 14.08% | 2.86% |
Avana Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Avana 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 Avana Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10704) · FFIEC NIC profile (RSSD 498456)