Bank19: 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 CRE concentration (Tier 1 capital + allowance): 14.92 percentage points lower than in Q1 2026, at 90.09%. Bank19 ranks 235th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 62.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank19 sits 18.00 points lower, at 62.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.5M |
| Net loans and leases | $76.1M |
| Loans held for sale | $0 |
| Loans to total assets | 51.79% |
| Loan-to-deposit ratio | 62.83% |
| Net loans to equity capital | 2.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.41% |
| Multifamily (5+ residential) | 3.71% |
| Commercial and industrial | 1.12% |
| Consumer | 0.88% |
| Credit cards | 0.00% |
| Farm | 4.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.09% |
| Construction concentration (Tier 1 capital + allowance) | 10.34% |
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 | 7.42% |
| Interest income on loans | $1.5M |
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 | $47.4M | $56.6M | 22.63% | 5.43% | 0.92% |
| Q4 2023 | $49.7M | $61.5M | 32.43% | 5.03% | 0.76% |
| Q1 2024 | $47.1M | $62.7M | 32.78% | 5.11% | 0.77% |
| Q2 2024 | $48.1M | $57.9M | 30.33% | 5.63% | 0.98% |
| Q3 2024 | $47.0M | $55.0M | 34.03% | 4.12% | 0.97% |
| Q4 2024 | $46.2M | $57.4M | 36.58% | 3.73% | 1.26% |
| Q1 2025 | $44.0M | $62.3M | 39.78% | 3.86% | 1.31% |
| Q2 2025 | $44.8M | $62.6M | 38.51% | 3.78% | 1.68% |
| Q3 2025 | $47.3M | $112.3M | 37.58% | 2.32% | 1.52% |
| Q4 2025 | $56.4M | $109.5M | 41.38% | 1.77% | 1.31% |
| Q1 2026 | $70.0M | $121.0M | 36.03% | 1.39% | 1.16% |
| Q2 2026 | $76.5M | $121.8M | 37.41% | 1.12% | 0.88% |
Bank19 loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank19, 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 Bank19 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3335) · FFIEC NIC profile (RSSD 373553)