The Bank and Trust, 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 Loan-to-deposit ratio: 2.27 percentage points higher than in Q1 2026, at 75.11%. The Bank and Trust, SSB ranks 158th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 75.11% (Q2 2026). The Bank and Trust, SSB reported 75.11% on loan-to-deposit ratio for Q2 2026, 5.73 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $397.6M |
| Net loans and leases | $393.1M |
| Loans held for sale | $0 |
| Loans to total assets | 68.10% |
| Loan-to-deposit ratio | 75.11% |
| Net loans to equity capital | 7.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.11% |
| Multifamily (5+ residential) | 2.33% |
| Commercial and industrial | 9.85% |
| Consumer | 3.31% |
| Credit cards | 0.00% |
| Farm | 5.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 111.22% |
| Construction concentration (Tier 1 capital + allowance) | 36.83% |
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 | 6.37% |
| Interest income on loans | $6.3M |
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 | $332.3M | $499.1M | 16.62% | 9.64% | 3.31% |
| Q4 2023 | $340.8M | $494.3M | 15.83% | 9.35% | 3.35% |
| Q1 2024 | $341.9M | $492.0M | 16.24% | 9.12% | 3.17% |
| Q2 2024 | $348.0M | $482.4M | 16.22% | 9.26% | 3.10% |
| Q3 2024 | $355.2M | $481.2M | 16.08% | 8.73% | 2.99% |
| Q4 2024 | $356.4M | $492.3M | 15.96% | 8.72% | 3.20% |
| Q1 2025 | $352.8M | $511.1M | 16.10% | 8.54% | 2.90% |
| Q2 2025 | $359.1M | $518.7M | 16.19% | 8.44% | 3.14% |
| Q3 2025 | $365.2M | $531.3M | 16.15% | 8.65% | 3.17% |
| Q4 2025 | $372.7M | $530.5M | 17.70% | 8.70% | 2.90% |
| Q1 2026 | $384.2M | $527.5M | 18.71% | 9.16% | 2.90% |
| Q2 2026 | $397.6M | $529.3M | 18.11% | 9.85% | 3.31% |
The Bank and Trust, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank and Trust, 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 The Bank and Trust, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1184) · FFIEC NIC profile (RSSD 623454)