The Brenham 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.
Cre concentration (tier 1 capital + allowance) climbed 9.21 percentage points in Q2 2026, from 215.27% to 224.48%. It was the largest change from Q1 2026 among the key lines here. The Brenham National Bank ranks 243rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 60.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Brenham National Bank sits 20.01 points lower, at 60.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $282.5M |
| Net loans and leases | $279.2M |
| Loans held for sale | $0 |
| Loans to total assets | 54.57% |
| Loan-to-deposit ratio | 60.83% |
| Net loans to equity capital | 5.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.60% |
| Multifamily (5+ residential) | 0.99% |
| Commercial and industrial | 3.07% |
| Consumer | 1.25% |
| Credit cards | 0.00% |
| Farm | 1.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 224.48% |
| Construction concentration (Tier 1 capital + allowance) | 128.89% |
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 | 6.52% |
| Interest income on loans | $4.5M |
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 | $221.3M | $440.8M | 41.02% | 8.16% | 2.20% |
| Q4 2023 | $229.1M | $438.7M | 38.92% | 8.27% | 2.09% |
| Q1 2024 | $224.7M | $441.8M | 40.22% | 5.17% | 2.04% |
| Q2 2024 | $230.8M | $438.5M | 38.22% | 7.13% | 2.01% |
| Q3 2024 | $229.4M | $455.1M | 41.01% | 3.72% | 1.92% |
| Q4 2024 | $242.2M | $452.7M | 42.26% | 3.34% | 1.80% |
| Q1 2025 | $244.7M | $440.1M | 39.67% | 3.59% | 1.85% |
| Q2 2025 | $249.3M | $418.2M | 40.27% | 3.68% | 1.80% |
| Q3 2025 | $251.3M | $439.1M | 38.70% | 3.43% | 1.75% |
| Q4 2025 | $259.5M | $464.7M | 43.87% | 3.18% | 1.55% |
| Q1 2026 | $275.5M | $453.9M | 44.02% | 3.06% | 1.27% |
| Q2 2026 | $282.5M | $464.5M | 44.60% | 3.07% | 1.25% |
The Brenham National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Brenham 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 Brenham National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3113) · FFIEC NIC profile (RSSD 227357)