Commerce Bank Texas: 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 Construction concentration (Tier 1 capital + allowance): 4.37 percentage points higher than in Q1 2026, at 45.26%. Within Texas, Commerce Bank Texas is 283rd of 346 on loan-to-deposit ratio, 45.90% as of Q2 2026, below the middle of the field. Commerce Bank Texas reported 45.90% on loan-to-deposit ratio for Q2 2026, 21.72 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.8M |
| Net loans and leases | $23.6M |
| Loans held for sale | $0 |
| Loans to total assets | 39.29% |
| Loan-to-deposit ratio | 45.90% |
| Net loans to equity capital | 2.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.77% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 19.26% |
| Consumer | 0.20% |
| Credit cards | 0.00% |
| Farm | 5.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 106.58% |
| Construction concentration (Tier 1 capital + allowance) | 45.26% |
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 | $411K |
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 | $33.5M | $49.5M | 26.69% | 14.93% | 0.68% |
| Q4 2023 | $35.0M | $45.9M | 25.74% | 14.11% | 0.63% |
| Q1 2024 | $33.1M | $48.0M | 26.76% | 16.81% | 0.74% |
| Q2 2024 | $33.5M | $48.7M | 29.18% | 13.06% | 0.68% |
| Q3 2024 | $33.5M | $50.2M | 28.85% | 12.05% | 0.62% |
| Q4 2024 | $28.1M | $49.6M | 27.01% | 13.35% | 0.67% |
| Q1 2025 | $24.7M | $50.1M | 24.94% | 13.53% | 0.71% |
| Q2 2025 | $22.5M | $54.3M | 28.15% | 17.27% | 0.71% |
| Q3 2025 | $24.5M | $54.0M | 26.27% | 17.59% | 0.34% |
| Q4 2025 | $22.0M | $52.5M | 28.25% | 16.88% | 0.34% |
| Q1 2026 | $22.4M | $51.8M | 32.08% | 16.28% | 0.25% |
| Q2 2026 | $23.8M | $51.9M | 29.77% | 19.26% | 0.20% |
Commerce Bank Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank Texas, 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 Commerce Bank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15346) · FFIEC NIC profile (RSSD 174367)