Boc 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.
CRE concentration (Tier 1 capital + allowance) climbed 17.55 percentage points in Q2 2026, from 160.88% to 178.43%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Boc Bank is 83rd of 346 on loan-to-deposit ratio, 85.88% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Boc Bank sits 5.33 points higher, at 85.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $151.8M |
| Net loans and leases | $149.5M |
| Loans held for sale | $0 |
| Loans to total assets | 74.64% |
| Loan-to-deposit ratio | 85.88% |
| Net loans to equity capital | 5.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.35% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 32.35% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 1.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.43% |
| Construction concentration (Tier 1 capital + allowance) | 41.87% |
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 | 7.40% |
| Interest income on loans | $2.7M |
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 | $104.9M | $199.6M | 22.50% | 34.04% | 0.49% |
| Q4 2023 | $118.5M | $207.3M | 22.75% | 37.00% | 0.65% |
| Q1 2024 | $124.6M | $198.7M | 23.69% | 35.02% | 0.21% |
| Q2 2024 | $133.5M | $169.2M | 24.24% | 34.27% | 0.19% |
| Q3 2024 | $139.9M | $200.1M | 23.03% | 36.39% | 0.17% |
| Q4 2024 | $158.0M | $187.1M | 20.54% | 38.42% | 0.16% |
| Q1 2025 | $147.9M | $188.2M | 21.63% | 34.70% | 0.15% |
| Q2 2025 | $147.6M | $170.7M | 21.59% | 36.86% | 0.13% |
| Q3 2025 | $150.0M | $190.6M | 21.38% | 37.22% | 0.13% |
| Q4 2025 | $157.0M | $185.7M | 24.15% | 38.45% | 0.10% |
| Q1 2026 | $148.8M | $188.9M | 24.72% | 31.47% | 0.12% |
| Q2 2026 | $151.8M | $176.7M | 29.35% | 32.35% | 0.10% |
Boc Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Boc 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 Boc Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25328) · FFIEC NIC profile (RSSD 352651)