Bank of South 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.
Cre concentration (tier 1 capital + allowance) climbed 10.38 percentage points in Q2 2026, from 230.25% to 240.63%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Bank of South Texas is 56th of 346 on loan-to-deposit ratio, 89.22% as of Q2 2026, above the middle of the field. Bank of South Texas reported 89.22% on loan-to-deposit ratio for Q2 2026, 8.39 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $125.9M |
| Net loans and leases | $124.4M |
| Loans held for sale | $0 |
| Loans to total assets | 72.11% |
| Loan-to-deposit ratio | 89.22% |
| Net loans to equity capital | 3.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.26% |
| Multifamily (5+ residential) | 0.56% |
| Commercial and industrial | 7.23% |
| Consumer | 1.37% |
| Credit cards | 0.00% |
| Farm | 0.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 240.63% |
| Construction concentration (Tier 1 capital + allowance) | 186.31% |
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 | 9.96% |
| Interest income on loans | $3.1M |
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 | $109.0M | $136.6M | 14.02% | 6.83% | 1.28% |
| Q4 2023 | $114.2M | $142.6M | 13.38% | 6.34% | 1.24% |
| Q1 2024 | $114.7M | $141.9M | 13.82% | 5.26% | 1.27% |
| Q2 2024 | $105.7M | $135.8M | 14.78% | 5.79% | 1.41% |
| Q3 2024 | $99.9M | $134.1M | 15.51% | 5.88% | 1.61% |
| Q4 2024 | $99.5M | $131.3M | 15.38% | 5.58% | 1.48% |
| Q1 2025 | $107.4M | $128.5M | 14.42% | 4.87% | 1.36% |
| Q2 2025 | $111.1M | $129.5M | 14.11% | 5.26% | 1.35% |
| Q3 2025 | $110.8M | $129.1M | 16.55% | 4.94% | 1.29% |
| Q4 2025 | $116.1M | $135.5M | 20.15% | 6.56% | 1.80% |
| Q1 2026 | $117.7M | $137.8M | 23.20% | 6.76% | 1.53% |
| Q2 2026 | $125.9M | $141.1M | 23.26% | 7.23% | 1.37% |
Bank of South Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of South 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 Bank of South Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26727) · FFIEC NIC profile (RSSD 49858)