Castroville 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 Loan-to-deposit ratio: 8.33 percentage points higher than in Q1 2026, at 77.25%. Within Texas, Castroville State Bank is 146th of 346 on loan-to-deposit ratio, 77.25% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Castroville State Bank sits 3.59 points lower, at 77.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $186.4M |
| Net loans and leases | $184.3M |
| Loans held for sale | $0 |
| Loans to total assets | 69.11% |
| Loan-to-deposit ratio | 77.25% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.15% |
| Multifamily (5+ residential) | 1.74% |
| Commercial and industrial | 7.84% |
| Consumer | 2.52% |
| Credit cards | 0.00% |
| Farm | 2.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.54% |
| Construction concentration (Tier 1 capital + allowance) | 80.17% |
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 | 6.27% |
| Interest income on loans | $2.9M |
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 | $179.7M | $233.5M | 12.97% | 6.18% | 3.50% |
| Q4 2023 | $181.4M | $236.5M | 14.83% | 6.49% | 3.17% |
| Q1 2024 | $179.0M | $251.7M | 14.89% | 6.28% | 3.12% |
| Q2 2024 | $174.9M | $244.0M | 15.09% | 6.23% | 3.27% |
| Q3 2024 | $173.4M | $238.6M | 14.46% | 6.09% | 3.25% |
| Q4 2024 | $172.8M | $242.7M | 13.74% | 6.23% | 3.13% |
| Q1 2025 | $176.6M | $251.4M | 13.96% | 6.21% | 3.08% |
| Q2 2025 | $181.2M | $226.2M | 13.08% | 6.92% | 2.94% |
| Q3 2025 | $181.1M | $237.6M | 11.85% | 8.26% | 2.79% |
| Q4 2025 | $182.1M | $279.6M | 12.52% | 7.85% | 2.70% |
| Q1 2026 | $181.5M | $263.3M | 11.90% | 8.06% | 2.72% |
| Q2 2026 | $186.4M | $241.3M | 12.15% | 7.84% | 2.52% |
Castroville State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Castroville 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 Castroville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17979) · FFIEC NIC profile (RSSD 742056)