The Commercial National Bank of Brady: 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.
Cre concentration (tier 1 capital + allowance) dropped 8.50 percentage points in Q2 2026, from 180.74% to 172.24%. It was the largest change from Q1 2026 among the key lines here. The Commercial National Bank of Brady ranks 52nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 90.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Commercial National Bank of Brady sits 9.46 points higher, at 90.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $329.8M |
| Net loans and leases | $326.0M |
| Loans held for sale | $0 |
| Loans to total assets | 77.53% |
| Loan-to-deposit ratio | 90.30% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.56% |
| Multifamily (5+ residential) | 1.04% |
| Commercial and industrial | 33.97% |
| Consumer | 2.07% |
| Credit cards | 0.00% |
| Farm | 4.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.24% |
| Construction concentration (Tier 1 capital + allowance) | 102.78% |
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 | 10.51% |
| Interest income on loans | $8.3M |
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 | $205.7M | $258.9M | 26.48% | 28.79% | 2.78% |
| Q4 2023 | $216.8M | $258.2M | 29.01% | 26.87% | 2.74% |
| Q1 2024 | $209.6M | $243.2M | 27.80% | 25.57% | 2.97% |
| Q2 2024 | $227.6M | $288.3M | 28.38% | 28.54% | 2.93% |
| Q3 2024 | $235.8M | $281.3M | 22.97% | 29.44% | 2.89% |
| Q4 2024 | $252.4M | $298.1M | 18.34% | 30.49% | 2.53% |
| Q1 2025 | $265.2M | $302.4M | 21.30% | 32.64% | 2.36% |
| Q2 2025 | $293.0M | $304.4M | 18.92% | 31.66% | 2.33% |
| Q3 2025 | $305.2M | $281.5M | 22.07% | 29.61% | 2.15% |
| Q4 2025 | $307.6M | $310.3M | 19.14% | 33.31% | 2.12% |
| Q1 2026 | $304.2M | $339.2M | 18.52% | 32.43% | 2.11% |
| Q2 2026 | $329.8M | $365.2M | 16.56% | 33.97% | 2.07% |
The Commercial National Bank of Brady loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial National Bank of Brady, 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 Commercial National Bank of Brady profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3110) · FFIEC NIC profile (RSSD 42354)