The City National Bank of Sulphur Springs: 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): 13.50 percentage points higher than in Q1 2026, at 191.32%. The City National Bank of Sulphur Springs ranks 142nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 78.12% (Q2 2026). The City National Bank of Sulphur Springs reported 78.12% on loan-to-deposit ratio for Q2 2026, 10.09 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $961.6M |
| Net loans and leases | $947.3M |
| Loans held for sale | $1.6M |
| Loans to total assets | 69.94% |
| Loan-to-deposit ratio | 78.12% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.52% |
| Multifamily (5+ residential) | 3.69% |
| Commercial and industrial | 7.10% |
| Consumer | 4.05% |
| Credit cards | 0.00% |
| Farm | 11.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.32% |
| Construction concentration (Tier 1 capital + allowance) | 73.70% |
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 | 7.28% |
| Interest income on loans | $17.3M |
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 | $839.6M | $1.13B | 16.59% | 7.18% | 6.20% |
| Q4 2023 | $862.7M | $1.08B | 17.54% | 7.37% | 5.93% |
| Q1 2024 | $875.5M | $1.11B | 16.28% | 8.27% | 5.76% |
| Q2 2024 | $888.1M | $1.10B | 15.91% | 8.10% | 5.50% |
| Q3 2024 | $898.3M | $1.12B | 16.72% | 7.97% | 5.20% |
| Q4 2024 | $897.1M | $1.16B | 17.96% | 7.63% | 5.19% |
| Q1 2025 | $907.6M | $1.17B | 18.44% | 7.68% | 4.92% |
| Q2 2025 | $905.9M | $1.20B | 18.82% | 7.04% | 4.72% |
| Q3 2025 | $921.1M | $1.21B | 18.65% | 7.25% | 4.56% |
| Q4 2025 | $933.3M | $1.21B | 19.78% | 7.03% | 4.49% |
| Q1 2026 | $944.9M | $1.23B | 22.47% | 6.99% | 4.33% |
| Q2 2026 | $961.6M | $1.23B | 23.52% | 7.10% | 4.05% |
The City National Bank of Sulphur Springs 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 Sulphur Springs, 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 Sulphur Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5544) · FFIEC NIC profile (RSSD 596062)