Central National 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 Construction concentration (Tier 1 capital + allowance): 10.62 percentage points lower than in Q1 2026, at 108.63%. Central National Bank ranks 39th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 92.07% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Central National Bank sits 3.87 points higher, at 92.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.21B |
| Net loans and leases | $1.19B |
| Loans held for sale | $864K |
| Loans to total assets | 82.05% |
| Loan-to-deposit ratio | 92.07% |
| Net loans to equity capital | 8.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.57% |
| Multifamily (5+ residential) | 1.19% |
| Commercial and industrial | 13.01% |
| Consumer | 0.69% |
| Credit cards | 0.00% |
| Farm | 1.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.43% |
| Construction concentration (Tier 1 capital + allowance) | 108.63% |
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 | 6.45% |
| Interest income on loans | $19.1M |
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 | $971.4M | $1.08B | 25.75% | 14.61% | 0.82% |
| Q4 2023 | $980.2M | $1.05B | 25.03% | 13.99% | 0.78% |
| Q1 2024 | $990.8M | $1.07B | 25.06% | 14.86% | 0.83% |
| Q2 2024 | $999.6M | $1.05B | 24.87% | 15.91% | 0.86% |
| Q3 2024 | $1.01B | $1.17B | 25.57% | 15.98% | 0.94% |
| Q4 2024 | $1.03B | $1.15B | 26.11% | 15.81% | 0.91% |
| Q1 2025 | $1.05B | $1.13B | 26.37% | 15.58% | 0.87% |
| Q2 2025 | $1.10B | $1.14B | 25.41% | 15.54% | 0.91% |
| Q3 2025 | $1.13B | $1.23B | 27.69% | 14.62% | 0.65% |
| Q4 2025 | $1.15B | $1.34B | 30.20% | 11.34% | 0.60% |
| Q1 2026 | $1.17B | $1.29B | 29.43% | 11.77% | 0.57% |
| Q2 2026 | $1.21B | $1.31B | 30.57% | 13.01% | 0.69% |
Central National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central National 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 Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22396) · FFIEC NIC profile (RSSD 428060)