The Buckholts 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.
Loan-to-deposit ratio climbed 2.03 percentage points in Q2 2026, from 73.95% to 75.98%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Buckholts State Bank is 152nd of 346 on loan-to-deposit ratio, 75.98% as of Q2 2026, above the middle of the field. The Buckholts State Bank reported 75.98% on loan-to-deposit ratio for Q2 2026, 4.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.9M |
| Net loans and leases | $86.2M |
| Loans held for sale | $0 |
| Loans to total assets | 62.60% |
| Loan-to-deposit ratio | 75.98% |
| Net loans to equity capital | 3.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.43% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 61.65% |
| Consumer | 1.78% |
| Credit cards | 0.00% |
| Farm | 3.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.33% |
| 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 | — |
| Interest income on loans | $1.4M |
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 | $77.1M | $98.4M | 9.45% | 57.64% | 2.57% |
| Q4 2023 | $78.2M | $97.0M | 9.75% | 55.85% | 2.54% |
| Q1 2024 | $78.8M | $96.7M | 10.12% | 55.52% | 2.43% |
| Q2 2024 | $78.1M | $97.8M | 10.21% | 56.83% | 2.25% |
| Q3 2024 | $77.7M | $101.5M | 10.87% | 56.53% | 2.39% |
| Q4 2024 | $79.9M | $101.3M | 10.48% | 58.73% | 2.43% |
| Q1 2025 | $80.3M | $105.8M | 9.51% | 59.36% | 2.24% |
| Q2 2025 | $80.8M | $106.8M | 8.30% | 59.71% | 2.35% |
| Q3 2025 | $82.5M | $109.4M | 8.26% | 60.50% | 2.22% |
| Q4 2025 | $82.8M | $110.7M | 8.07% | 60.60% | 2.21% |
| Q1 2026 | $84.4M | $114.2M | 8.07% | 60.46% | 2.00% |
| Q2 2026 | $86.9M | $114.4M | 7.43% | 61.65% | 1.78% |
The Buckholts State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Buckholts 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 The Buckholts State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11916) · FFIEC NIC profile (RSSD 53051)