Coleman County State 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 CRE concentration (Tier 1 capital + allowance): 16.92 percentage points lower than in Q1 2026, at 204.64%. Within Texas, Coleman County State Bank is 213th of 346 on loan-to-deposit ratio, 66.17% as of Q2 2026, below the middle of the field. Coleman County State Bank reported 66.17% on loan-to-deposit ratio for Q2 2026, 14.67 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $176.7M |
| Net loans and leases | $175.0M |
| Loans held for sale | $522K |
| Loans to total assets | 59.88% |
| Loan-to-deposit ratio | 66.17% |
| Net loans to equity capital | 6.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.84% |
| Multifamily (5+ residential) | 3.34% |
| Commercial and industrial | 8.00% |
| Consumer | 2.79% |
| Credit cards | 0.00% |
| Farm | 14.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 204.64% |
| Construction concentration (Tier 1 capital + allowance) | 87.37% |
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 | 8.09% |
| Interest income on loans | $3.6M |
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 | $118.4M | $177.6M | 27.55% | 8.82% | 2.62% |
| Q4 2023 | $125.4M | $180.7M | 26.26% | 8.64% | 2.65% |
| Q1 2024 | $131.7M | $186.2M | 25.48% | 8.20% | 2.43% |
| Q2 2024 | $139.3M | $189.5M | 28.40% | 7.49% | 2.23% |
| Q3 2024 | $149.2M | $192.3M | 28.04% | 10.30% | 2.17% |
| Q4 2024 | $147.8M | $192.2M | 28.18% | 10.43% | 2.04% |
| Q1 2025 | $147.3M | $200.2M | 26.25% | 11.25% | 2.14% |
| Q2 2025 | $161.0M | $262.5M | 24.11% | 10.73% | 2.21% |
| Q3 2025 | $172.6M | $254.6M | 23.47% | 7.04% | 2.52% |
| Q4 2025 | $162.3M | $262.3M | 24.39% | 7.74% | 2.89% |
| Q1 2026 | $174.6M | $264.2M | 23.12% | 7.41% | 2.84% |
| Q2 2026 | $176.7M | $267.1M | 21.84% | 8.00% | 2.79% |
Coleman County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Coleman County State 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 Coleman County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15480) · FFIEC NIC profile (RSSD 761954)