The City National Bank of Colorado City: 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): 34.33 percentage points higher than in Q1 2026, at 127.93%. Within Texas, The City National Bank of Colorado City is 160th of 346 on loan-to-deposit ratio, 74.68% 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. The City National Bank of Colorado City sits 6.16 points lower, at 74.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $295.8M |
| Net loans and leases | $291.0M |
| Loans held for sale | $220K |
| Loans to total assets | 65.37% |
| Loan-to-deposit ratio | 74.68% |
| Net loans to equity capital | 5.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.40% |
| Multifamily (5+ residential) | 1.10% |
| Commercial and industrial | 12.05% |
| Consumer | 3.08% |
| Credit cards | 0.00% |
| Farm | 5.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 127.93% |
| Construction concentration (Tier 1 capital + allowance) | 77.10% |
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 | 7.63% |
| Interest income on loans | $5.6M |
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 | $186.1M | $212.8M | 11.91% | 7.20% | 3.11% |
| Q4 2023 | $191.1M | $220.0M | 11.46% | 6.41% | 2.55% |
| Q1 2024 | $190.6M | $225.2M | 12.67% | 6.99% | 2.35% |
| Q2 2024 | $187.3M | $226.6M | 13.36% | 6.70% | 2.38% |
| Q3 2024 | $197.2M | $231.4M | 12.77% | 5.90% | 2.23% |
| Q4 2024 | $205.7M | $241.7M | 11.52% | 7.81% | 2.25% |
| Q1 2025 | $207.7M | $244.9M | 11.01% | 7.94% | 2.35% |
| Q2 2025 | $210.2M | $249.4M | 10.89% | 7.52% | 2.38% |
| Q3 2025 | $280.8M | $372.3M | 16.37% | 10.56% | 3.53% |
| Q4 2025 | $296.8M | $388.7M | 16.33% | 13.07% | 3.39% |
| Q1 2026 | $296.6M | $389.1M | 16.41% | 13.14% | 3.07% |
| Q2 2026 | $295.8M | $396.0M | 16.40% | 12.05% | 3.08% |
The City National Bank of Colorado City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of Colorado City, 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 The City National Bank of Colorado City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3144) · FFIEC NIC profile (RSSD 799854)