City 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 22.62 percentage points in Q2 2026, from 213.81% to 236.42%. It was the largest change from Q1 2026 among the key lines here. City Bank ranks 128th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 80.12% (Q2 2026). City Bank reported 80.12% on loan-to-deposit ratio for Q2 2026, 8.08 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.78B |
| Net loans and leases | $3.73B |
| Loans held for sale | $11.6M |
| Loans to total assets | 70.21% |
| Loan-to-deposit ratio | 80.12% |
| Net loans to equity capital | 6.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.19% |
| Multifamily (5+ residential) | 6.08% |
| Commercial and industrial | 12.32% |
| Consumer | 8.74% |
| Credit cards | 0.06% |
| Farm | 2.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 236.42% |
| Construction concentration (Tier 1 capital + allowance) | 77.45% |
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 | 6.79% |
| Interest income on loans | $64.1M |
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 | $3.01B | $3.71B | 29.07% | 10.92% | 13.40% |
| Q4 2023 | $3.03B | $3.71B | 29.15% | 11.09% | 12.87% |
| Q1 2024 | $3.03B | $3.73B | 29.04% | 11.82% | 12.36% |
| Q2 2024 | $3.11B | $3.72B | 28.69% | 13.11% | 11.30% |
| Q3 2024 | $3.05B | $3.82B | 29.65% | 12.82% | 10.76% |
| Q4 2024 | $3.08B | $3.73B | 30.10% | 12.50% | 10.67% |
| Q1 2025 | $3.09B | $3.90B | 30.50% | 13.17% | 10.73% |
| Q2 2025 | $3.12B | $3.85B | 31.43% | 13.29% | 10.51% |
| Q3 2025 | $3.07B | $3.95B | 31.41% | 13.17% | 10.62% |
| Q4 2025 | $3.15B | $3.95B | 30.98% | 14.25% | 10.36% |
| Q1 2026 | $3.12B | $4.12B | 31.36% | 13.44% | 10.39% |
| Q2 2026 | $3.78B | $4.72B | 34.19% | 12.32% | 8.74% |
City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25103) · FFIEC NIC profile (RSSD 575254)