The Bank of San Jacinto County, Coldspring, Texas: 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.
Construction concentration (tier 1 capital + allowance) climbed 2.14 percentage points in Q2 2026, from 8.18% to 10.31%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Bank of San Jacinto County, Coldspring, Texas is 33rd from the bottom among 346 Texas banks, 35.11% (Q2 2026). The Bank of San Jacinto County, Coldspring, Texas reported 35.11% on loan-to-deposit ratio for Q2 2026, 32.52 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.4M |
| Net loans and leases | $12.2M |
| Loans held for sale | $0 |
| Loans to total assets | 29.54% |
| Loan-to-deposit ratio | 35.11% |
| Net loans to equity capital | 1.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.17% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.77% |
| Consumer | 6.33% |
| 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) | 24.62% |
| Construction concentration (Tier 1 capital + allowance) | 10.31% |
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 | 8.12% |
| Interest income on loans | $254K |
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 | $11.2M | $41.3M | 1.64% | 8.38% | 9.63% |
| Q4 2023 | $11.5M | $38.9M | 1.44% | 8.56% | 9.28% |
| Q1 2024 | $12.0M | $38.2M | 2.54% | 6.43% | 9.66% |
| Q2 2024 | $12.7M | $40.5M | 2.31% | 5.74% | 13.98% |
| Q3 2024 | $12.6M | $39.1M | 2.17% | 5.24% | 13.94% |
| Q4 2024 | $12.6M | $38.9M | 2.07% | 5.26% | 8.71% |
| Q1 2025 | $12.4M | $40.5M | 2.04% | 5.42% | 8.51% |
| Q2 2025 | $13.2M | $38.3M | 3.26% | 5.92% | 7.78% |
| Q3 2025 | $13.6M | $36.9M | 12.65% | 5.72% | 6.89% |
| Q4 2025 | $12.6M | $36.8M | 9.82% | 6.67% | 7.06% |
| Q1 2026 | $12.8M | $38.1M | 9.05% | 6.62% | 6.13% |
| Q2 2026 | $12.4M | $35.3M | 9.17% | 6.77% | 6.33% |
The Bank of San Jacinto County, Coldspring, Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of San Jacinto County, Coldspring, Texas, 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 of San Jacinto County, Coldspring, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18942) · FFIEC NIC profile (RSSD 678052)