Commercial National Bank of Texarkana: 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): 17.41 percentage points lower than in Q1 2026, at 134.76%. Commercial National Bank of Texarkana ranks 116th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 82.12% (Q2 2026). At 82.12%, Commercial National Bank of Texarkana's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $250.7M |
| Net loans and leases | $248.5M |
| Loans held for sale | $356K |
| Loans to total assets | 75.94% |
| Loan-to-deposit ratio | 82.12% |
| Net loans to equity capital | 11.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.66% |
| Multifamily (5+ residential) | 1.72% |
| Commercial and industrial | 21.64% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 1.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 134.76% |
| Construction concentration (Tier 1 capital + allowance) | 65.27% |
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 | 6.71% |
| Interest income on loans | $4.2M |
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 | $218.7M | $282.7M | 25.92% | 21.60% | 2.67% |
| Q4 2023 | $223.4M | $288.2M | 25.28% | 20.96% | 2.83% |
| Q1 2024 | $224.1M | $284.0M | 24.00% | 21.33% | 2.79% |
| Q2 2024 | $224.4M | $280.3M | 24.80% | 20.92% | 2.75% |
| Q3 2024 | $221.6M | $290.3M | 24.07% | 20.93% | 2.70% |
| Q4 2024 | $222.1M | $294.7M | 25.43% | 21.02% | 2.71% |
| Q1 2025 | $221.3M | $298.1M | 25.70% | 21.30% | 2.53% |
| Q2 2025 | $231.2M | $299.0M | 27.48% | 20.61% | 2.41% |
| Q3 2025 | $231.5M | $301.1M | 25.71% | 21.20% | 2.34% |
| Q4 2025 | $242.6M | $306.1M | 29.18% | 20.76% | 2.20% |
| Q1 2026 | $243.3M | $307.0M | 29.33% | 19.49% | 2.08% |
| Q2 2026 | $250.7M | $305.3M | 24.66% | 21.64% | 1.92% |
Commercial National Bank of Texarkana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial National Bank of Texarkana, 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 National Bank of Texarkana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19024) · FFIEC NIC profile (RSSD 794149)