Classic Bank, N.A.: 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): 8.94 percentage points higher than in Q1 2026, at 125.48%. Classic Bank, N.A. ranks 41st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 92.00% (Q2 2026). Classic Bank, N.A. reported 92.00% on loan-to-deposit ratio for Q2 2026, 11.16 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $530.0M |
| Net loans and leases | $523.8M |
| Loans held for sale | $0 |
| Loans to total assets | 80.62% |
| Loan-to-deposit ratio | 92.00% |
| Net loans to equity capital | 7.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.60% |
| Multifamily (5+ residential) | 0.95% |
| Commercial and industrial | 5.71% |
| Consumer | 1.06% |
| Credit cards | 0.00% |
| Farm | 15.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.48% |
| Construction concentration (Tier 1 capital + allowance) | 60.06% |
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 | 5.97% |
| Interest income on loans | $7.7M |
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 | $553.7M | $619.8M | 17.84% | 4.20% | 1.22% |
| Q4 2023 | $584.5M | $633.1M | 16.69% | 4.62% | 1.11% |
| Q1 2024 | $576.7M | $617.3M | 17.63% | 5.05% | 0.99% |
| Q2 2024 | $564.3M | $598.0M | 18.18% | 4.69% | 1.07% |
| Q3 2024 | $558.8M | $593.3M | 18.08% | 5.11% | 0.98% |
| Q4 2024 | $576.2M | $628.1M | 18.15% | 5.22% | 0.87% |
| Q1 2025 | $576.3M | $655.0M | 19.30% | 5.49% | 0.88% |
| Q2 2025 | $543.8M | $602.6M | 20.25% | 5.74% | 0.98% |
| Q3 2025 | $524.3M | $570.6M | 21.45% | 6.49% | 1.05% |
| Q4 2025 | $524.9M | $567.7M | 22.90% | 6.16% | 1.13% |
| Q1 2026 | $511.4M | $586.6M | 23.50% | 6.12% | 1.02% |
| Q2 2026 | $530.0M | $576.2M | 25.60% | 5.71% | 1.06% |
Classic Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Classic Bank, N.A., 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 Classic Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3126) · FFIEC NIC profile (RSSD 182951)