Cendera 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 CRE concentration (Tier 1 capital + allowance): 37.99 percentage points higher than in Q1 2026, at 287.78%. Within Texas, Cendera Bank is 66th of 346 on loan-to-deposit ratio, 88.03% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Cendera Bank sits 7.47 points higher, at 88.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.2M |
| Net loans and leases | $199.1M |
| Loans held for sale | $0 |
| Loans to total assets | 78.09% |
| Loan-to-deposit ratio | 88.03% |
| Net loans to equity capital | 7.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.57% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 20.61% |
| Consumer | 0.22% |
| Credit cards | 0.00% |
| Farm | 5.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 287.78% |
| Construction concentration (Tier 1 capital + allowance) | 91.78% |
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 | 7.66% |
| Interest income on loans | $3.7M |
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 | $145.5M | $146.2M | 23.69% | 8.24% | 1.36% |
| Q4 2023 | $148.7M | $153.5M | 26.70% | 10.79% | 1.36% |
| Q1 2024 | $153.9M | $159.3M | 28.44% | 13.63% | 0.43% |
| Q2 2024 | $159.7M | $167.3M | 28.67% | 17.92% | 0.45% |
| Q3 2024 | $166.1M | $188.7M | 30.62% | 18.88% | 0.42% |
| Q4 2024 | $170.8M | $198.8M | 31.17% | 16.40% | 0.34% |
| Q1 2025 | $187.0M | $199.9M | 33.19% | 19.72% | 0.31% |
| Q2 2025 | $187.3M | $199.5M | 32.11% | 21.41% | 0.28% |
| Q3 2025 | $192.7M | $218.0M | 34.99% | 19.94% | 0.29% |
| Q4 2025 | $176.6M | $199.4M | 33.45% | 21.20% | 0.30% |
| Q1 2026 | $182.0M | $200.6M | 28.98% | 21.79% | 0.23% |
| Q2 2026 | $201.2M | $228.5M | 37.57% | 20.61% | 0.22% |
Cendera Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cendera 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 Cendera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3098) · FFIEC NIC profile (RSSD 89957)