Bridge City State 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 10.12 percentage points higher than in Q1 2026, at 101.58%. Within Texas, Bridge City State Bank is 204th of 346 on loan-to-deposit ratio, 67.44% as of Q2 2026, below the middle of the field. Bridge City State Bank reported 67.44% on loan-to-deposit ratio for Q2 2026, 13.40 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $134.7M |
| Net loans and leases | $133.4M |
| Loans held for sale | $0 |
| Loans to total assets | 54.59% |
| Loan-to-deposit ratio | 67.44% |
| Net loans to equity capital | 6.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.24% |
| Multifamily (5+ residential) | 0.53% |
| Commercial and industrial | 14.28% |
| Consumer | 1.21% |
| Credit cards | 0.00% |
| Farm | 0.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.65% |
| Construction concentration (Tier 1 capital + allowance) | 101.58% |
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 | 7.20% |
| Interest income on loans | $2.3M |
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 | $87.1M | $188.2M | 29.80% | 11.62% | 2.19% |
| Q4 2023 | $89.4M | $198.4M | 28.77% | 12.22% | 2.15% |
| Q1 2024 | $90.2M | $198.1M | 28.23% | 12.22% | 2.25% |
| Q2 2024 | $88.8M | $196.3M | 29.94% | 13.37% | 2.52% |
| Q3 2024 | $101.4M | $191.9M | 37.27% | 12.11% | 2.64% |
| Q4 2024 | $117.0M | $186.8M | 37.90% | 14.24% | 2.38% |
| Q1 2025 | $122.3M | $185.9M | 36.19% | 15.32% | 2.03% |
| Q2 2025 | $125.0M | $191.4M | 33.72% | 14.53% | 1.90% |
| Q3 2025 | $125.7M | $216.8M | 34.67% | 14.54% | 1.78% |
| Q4 2025 | $128.0M | $214.7M | 37.24% | 14.22% | 1.49% |
| Q1 2026 | $125.4M | $218.6M | 35.77% | 12.80% | 1.45% |
| Q2 2026 | $134.7M | $199.7M | 35.24% | 14.28% | 1.21% |
Bridge City State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bridge City State 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 Bridge City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18155) · FFIEC NIC profile (RSSD 43959)