Broadstreet Bank, SSB: 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 4.57 percentage points in Q2 2026, from 148.24% to 152.81%. It was the largest change from Q1 2026 among the key lines here. Broadstreet Bank, SSB ranks 38th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 92.49% (Q2 2026). Broadstreet Bank, SSB reported 92.49% on loan-to-deposit ratio for Q2 2026, 11.65 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $317.7M |
| Net loans and leases | $314.1M |
| Loans held for sale | $0 |
| Loans to total assets | 71.73% |
| Loan-to-deposit ratio | 92.49% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.60% |
| Multifamily (5+ residential) | 1.02% |
| Commercial and industrial | 3.10% |
| Consumer | 0.90% |
| Credit cards | 0.00% |
| Farm | 8.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.77% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 152.81% |
| Construction concentration (Tier 1 capital + allowance) | 78.18% |
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 | 6.48% |
| Interest income on loans | $4.9M |
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 | $271.9M | $310.9M | 13.07% | 2.62% | 1.66% |
| Q4 2023 | $283.0M | $327.5M | 14.76% | 2.44% | 1.61% |
| Q1 2024 | $270.4M | $341.7M | 15.57% | 2.51% | 1.65% |
| Q2 2024 | $271.7M | $333.7M | 15.72% | 2.59% | 1.92% |
| Q3 2024 | $296.1M | $334.8M | 18.76% | 2.40% | 1.57% |
| Q4 2024 | $296.9M | $343.6M | 18.88% | 2.13% | 1.34% |
| Q1 2025 | $300.8M | $344.7M | 19.06% | 1.86% | 1.21% |
| Q2 2025 | $297.2M | $345.2M | 19.36% | 1.81% | 1.08% |
| Q3 2025 | $288.2M | $338.8M | 19.16% | 1.91% | 1.03% |
| Q4 2025 | $306.6M | $331.6M | 20.06% | 2.87% | 1.00% |
| Q1 2026 | $301.9M | $336.4M | 21.19% | 3.07% | 0.92% |
| Q2 2026 | $317.7M | $343.4M | 20.60% | 3.10% | 0.90% |
Broadstreet Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Broadstreet Bank, SSB, 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 Broadstreet Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28868) · FFIEC NIC profile (RSSD 279)