Bank of Desoto, 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 Construction concentration (Tier 1 capital + allowance): 3.35 percentage points higher than in Q1 2026, at 20.33%. Bank of Desoto, N.A. ranks 221st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 64.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Desoto, N.A. sits 16.62 points lower, at 64.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $152.4M |
| Net loans and leases | $150.9M |
| Loans held for sale | $0 |
| Loans to total assets | 57.58% |
| Loan-to-deposit ratio | 64.22% |
| Net loans to equity capital | 5.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.25% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.93% |
| Consumer | 19.76% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.91% |
| Construction concentration (Tier 1 capital + allowance) | 20.33% |
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 | 9.01% |
| Interest income on loans | $3.4M |
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 | $166.3M | $208.1M | 20.52% | 9.50% | 21.54% |
| Q4 2023 | $163.5M | $204.7M | 21.30% | 9.14% | 21.41% |
| Q1 2024 | $162.9M | $202.1M | 22.74% | 8.74% | 20.90% |
| Q2 2024 | $161.8M | $202.8M | 22.99% | 8.69% | 20.67% |
| Q3 2024 | $161.7M | $226.3M | 23.10% | 8.77% | 20.53% |
| Q4 2024 | $166.8M | $236.8M | 22.28% | 8.29% | 22.18% |
| Q1 2025 | $164.3M | $240.0M | 21.25% | 8.19% | 22.59% |
| Q2 2025 | $159.2M | $244.9M | 21.63% | 7.82% | 21.87% |
| Q3 2025 | $158.7M | $235.4M | 22.39% | 7.60% | 20.98% |
| Q4 2025 | $155.2M | $238.7M | 22.05% | 9.02% | 20.51% |
| Q1 2026 | $152.2M | $234.6M | 22.46% | 8.24% | 20.26% |
| Q2 2026 | $152.4M | $237.3M | 22.25% | 8.93% | 19.76% |
Bank of Desoto, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Desoto, 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 Bank of Desoto, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26542) · FFIEC NIC profile (RSSD 638355)