The City National Bank of Taylor: 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.
Construction concentration (tier 1 capital + allowance) dropped 5.82 percentage points in Q2 2026, from 38.64% to 32.82%. It was the largest change from Q1 2026 among the key lines here. The City National Bank of Taylor ranks 198th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 68.04% (Q2 2026). The City National Bank of Taylor reported 68.04% on loan-to-deposit ratio for Q2 2026, 12.80 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.2M |
| Net loans and leases | $148.6M |
| Loans held for sale | $0 |
| Loans to total assets | 60.00% |
| Loan-to-deposit ratio | 68.04% |
| Net loans to equity capital | 5.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.02% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.41% |
| Consumer | 0.81% |
| Credit cards | 0.42% |
| Farm | 6.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.57% |
| Construction concentration (Tier 1 capital + allowance) | 32.82% |
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 | — |
| Interest income on loans | $2.4M |
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 | $142.6M | $229.5M | 12.89% | 3.24% | 0.86% |
| Q4 2023 | $140.7M | $229.7M | 12.86% | 3.58% | 0.81% |
| Q1 2024 | $143.7M | $222.0M | 12.87% | 3.31% | 0.86% |
| Q2 2024 | $144.7M | $215.0M | 12.82% | 3.19% | 0.87% |
| Q3 2024 | $143.9M | $217.5M | 12.92% | 3.07% | 0.84% |
| Q4 2024 | $145.0M | $213.3M | 12.70% | 3.69% | 0.82% |
| Q1 2025 | $145.3M | $213.7M | 12.45% | 3.56% | 0.84% |
| Q2 2025 | $145.7M | $209.0M | 12.15% | 3.23% | 0.89% |
| Q3 2025 | $147.7M | $207.6M | 11.38% | 3.17% | 0.85% |
| Q4 2025 | $149.7M | $210.7M | 10.49% | 3.22% | 0.80% |
| Q1 2026 | $150.0M | $217.1M | 10.22% | 3.32% | 0.81% |
| Q2 2026 | $150.2M | $220.8M | 11.02% | 3.41% | 0.81% |
The City National Bank of Taylor 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 Taylor, 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 Taylor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5548) · FFIEC NIC profile (RSSD 181963)