The Big Bend Banks, N.A. dba Marfa National Bank: 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.
Commercial real estate (nonfarm nonresidential) dropped 1.50 percentage points in Q3 2026, from 45.81% to 44.31%. It was the largest change from Q2 2026 among the key lines here. The Big Bend Banks, N.A. dba Marfa National Bank has the 6th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 15.20% as of Q3 2026. The Big Bend Banks, N.A. dba Marfa National Bank's loan-to-deposit ratio of 15.20% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 65.75 points (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $21.4M |
| Net loans and leases | $20.8M |
| Loans held for sale | $0 |
| Loans to total assets | 13.21% |
| Loan-to-deposit ratio | 15.20% |
| Net loans to equity capital | 1.00% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.31% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.61% |
| Consumer | 18.79% |
| Credit cards | 0.00% |
| Farm | 1.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.10% |
| Construction concentration (Tier 1 capital + allowance) | 1.10% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 8.66% |
| Interest income on loans | $451K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $22.2M | $138.4M | 36.28% | 10.67% | 18.26% |
| Q1 2024 | $22.1M | $135.1M | 34.28% | 10.45% | 18.55% |
| Q2 2024 | $22.5M | $138.8M | 35.51% | 9.93% | 18.73% |
| Q3 2024 | $22.6M | $136.0M | 34.18% | 9.70% | 18.26% |
| Q4 2024 | $21.2M | $137.7M | 38.68% | 9.25% | 18.41% |
| Q1 2025 | $20.6M | $136.9M | 36.53% | 9.37% | 21.61% |
| Q2 2025 | $20.2M | $141.8M | 36.67% | 9.68% | 21.36% |
| Q3 2025 | $20.8M | $140.3M | 36.32% | 10.77% | 20.99% |
| Q4 2025 | $21.3M | $145.9M | 40.12% | 9.87% | 19.29% |
| Q1 2026 | $21.4M | $143.0M | 41.43% | 10.79% | 19.20% |
| Q2 2026 | $21.7M | $140.9M | 45.81% | 10.32% | 18.82% |
| Q3 2026 | $21.4M | $140.9M | 44.31% | 11.61% | 18.79% |
The Big Bend Banks, N.A. dba Marfa National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Big Bend Banks, N.A. dba Marfa National Bank, 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 Big Bend Banks, N.A. dba Marfa National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3320) · FFIEC NIC profile (RSSD 362856)