Carmine 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.
Cre concentration (tier 1 capital + allowance) climbed 4.30 percentage points in Q2 2026, from 11.16% to 15.46%. It was the largest change from Q1 2026 among the key lines here. Carmine State Bank has the 21st lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 28.87% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Carmine State Bank reported 28.87% on loan-to-deposit ratio in Q2 2026, 51.97 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.2M |
| Net loans and leases | $40.0M |
| Loans held for sale | $0 |
| Loans to total assets | 27.02% |
| Loan-to-deposit ratio | 28.87% |
| Net loans to equity capital | 4.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.69% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.78% |
| Consumer | 17.10% |
| Credit cards | 0.00% |
| Farm | 5.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.46% |
| Construction concentration (Tier 1 capital + allowance) | 15.46% |
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 | 7.44% |
| Interest income on loans | $727K |
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 | $30.4M | $111.0M | 7.17% | 2.62% | 20.14% |
| Q4 2023 | $31.1M | $113.2M | 6.94% | 3.43% | 19.80% |
| Q1 2024 | $31.0M | $116.9M | 6.65% | 3.47% | 20.39% |
| Q2 2024 | $31.6M | $117.0M | 6.60% | 3.87% | 21.09% |
| Q3 2024 | $33.1M | $119.0M | 6.23% | 6.44% | 20.33% |
| Q4 2024 | $36.9M | $119.2M | 5.51% | 6.80% | 18.45% |
| Q1 2025 | $37.2M | $123.6M | 5.40% | 7.08% | 18.71% |
| Q2 2025 | $38.3M | $128.6M | 6.69% | 6.83% | 18.21% |
| Q3 2025 | $37.5M | $135.9M | 6.76% | 6.81% | 18.21% |
| Q4 2025 | $38.9M | $137.8M | 6.54% | 6.41% | 18.43% |
| Q1 2026 | $39.0M | $137.1M | 6.44% | 6.82% | 17.91% |
| Q2 2026 | $40.2M | $139.2M | 6.69% | 6.78% | 17.10% |
Carmine State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Carmine 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 Carmine State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19278) · FFIEC NIC profile (RSSD 732954)