City 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): 4.78 percentage points higher than in Q1 2026, at 46.31%. City National Bank ranks 119th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 81.71% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. City National Bank sits 14.09 points higher, at 81.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $42.9M |
| Net loans and leases | $42.3M |
| Loans held for sale | $0 |
| Loans to total assets | 69.16% |
| Loan-to-deposit ratio | 81.71% |
| Net loans to equity capital | 5.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.57% |
| Multifamily (5+ residential) | 0.32% |
| Commercial and industrial | 14.30% |
| Consumer | 2.71% |
| Credit cards | 0.00% |
| Farm | 0.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.92% |
| Construction concentration (Tier 1 capital + allowance) | 46.31% |
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 | 5.87% |
| Interest income on loans | $628K |
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 | $46.4M | $53.7M | 14.45% | 12.76% | 4.55% |
| Q4 2023 | $46.5M | $52.4M | 13.78% | 12.22% | 4.46% |
| Q1 2024 | $45.9M | $52.1M | 13.57% | 11.40% | 4.72% |
| Q2 2024 | $45.1M | $54.2M | 13.68% | 10.85% | 4.71% |
| Q3 2024 | $44.9M | $55.7M | 12.62% | 13.40% | 4.35% |
| Q4 2024 | $44.5M | $54.4M | 12.37% | 13.04% | 3.76% |
| Q1 2025 | $44.8M | $54.6M | 11.50% | 12.93% | 3.49% |
| Q2 2025 | $41.8M | $53.2M | 13.37% | 12.42% | 3.35% |
| Q3 2025 | $42.0M | $54.0M | 12.73% | 11.14% | 2.99% |
| Q4 2025 | $41.9M | $55.8M | 12.62% | 11.51% | 2.84% |
| Q1 2026 | $40.9M | $53.2M | 12.77% | 12.58% | 2.88% |
| Q2 2026 | $42.9M | $52.5M | 12.57% | 14.30% | 2.71% |
City National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24367) · FFIEC NIC profile (RSSD 697950)