Brazos 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.
Loan-to-deposit ratio dropped 77.02 percentage points in Q2 2026, from 216.34% to 139.32%. It was the largest change from Q1 2026 among the key lines here. Brazos National Bank has the highest loan-to-deposit ratio of the 346 banks headquartered in Texas, 139.32% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Brazos National Bank reported 139.32% on loan-to-deposit ratio in Q2 2026, 71.70 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.4M |
| Net loans and leases | $15.4M |
| Loans held for sale | $2.7M |
| Loans to total assets | 55.83% |
| Loan-to-deposit ratio | 139.32% |
| Net loans to equity capital | 0.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.14% |
| Consumer | 0.60% |
| 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) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.56% |
| Interest income on loans | $341K |
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 | $16.3M | $13.6M | 2.65% | 0.51% | 1.19% |
| Q4 2023 | $21.9M | $13.3M | 2.09% | 0.48% | 1.04% |
| Q1 2024 | $22.1M | $12.6M | 2.66% | 0.44% | 0.94% |
| Q2 2024 | $21.4M | $11.8M | 2.76% | 0.41% | 0.82% |
| Q3 2024 | $20.3M | $11.4M | 2.68% | 0.40% | 0.79% |
| Q4 2024 | $19.5M | $10.9M | 2.76% | 0.38% | 0.70% |
| Q1 2025 | $20.5M | $9.8M | 2.60% | 0.32% | 0.62% |
| Q2 2025 | $24.1M | $11.2M | 2.72% | 0.27% | 0.48% |
| Q3 2025 | $22.5M | $10.7M | 2.15% | 0.23% | 0.52% |
| Q4 2025 | $21.5M | $9.9M | 1.64% | 0.16% | 0.48% |
| Q1 2026 | $23.3M | $10.8M | 2.75% | 0.12% | 0.42% |
| Q2 2026 | $15.4M | $11.1M | 8.00% | 0.14% | 0.60% |
Brazos National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Brazos 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 Brazos National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24038) · FFIEC NIC profile (RSSD 863362)