Commercial Bank of Texas, 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 Construction concentration (Tier 1 capital + allowance): 7.72 percentage points lower than in Q1 2026, at 69.50%. Within Texas, Commercial Bank of Texas, N.A. is 141st of 346 on loan-to-deposit ratio, 78.20% as of Q2 2026, above the middle of the field. Commercial Bank of Texas, N.A. reported 78.20% on loan-to-deposit ratio for Q2 2026, 10.00 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.17B |
| Net loans and leases | $1.16B |
| Loans held for sale | $376K |
| Loans to total assets | 69.59% |
| Loan-to-deposit ratio | 78.20% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.35% |
| Multifamily (5+ residential) | 0.52% |
| Commercial and industrial | 14.58% |
| Consumer | 4.31% |
| Credit cards | 0.00% |
| Farm | 1.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.31% |
| Construction concentration (Tier 1 capital + allowance) | 69.50% |
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 | $19.3M |
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 | $882.1M | $1.23B | 34.39% | 13.39% | 5.32% |
| Q4 2023 | $913.7M | $1.23B | 33.79% | 14.16% | 4.92% |
| Q1 2024 | $936.4M | $1.30B | 33.60% | 14.25% | 5.30% |
| Q2 2024 | $966.6M | $1.30B | 34.23% | 14.04% | 5.57% |
| Q3 2024 | $972.7M | $1.34B | 35.65% | 12.86% | 5.48% |
| Q4 2024 | $998.5M | $1.35B | 36.83% | 14.02% | 5.09% |
| Q1 2025 | $1.03B | $1.39B | 36.09% | 14.25% | 4.98% |
| Q2 2025 | $1.05B | $1.44B | 36.13% | 13.66% | 4.56% |
| Q3 2025 | $1.07B | $1.47B | 35.92% | 13.78% | 4.80% |
| Q4 2025 | $1.11B | $1.46B | 36.05% | 13.68% | 4.54% |
| Q1 2026 | $1.15B | $1.53B | 36.29% | 13.71% | 4.41% |
| Q2 2026 | $1.17B | $1.50B | 37.35% | 14.58% | 4.31% |
Commercial Bank of Texas, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of Texas, 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 Commercial Bank of Texas, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1209) · FFIEC NIC profile (RSSD 885869)