Commercial 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 Construction concentration (Tier 1 capital + allowance): 6.45 percentage points lower than in Q1 2026, at 11.19%. On loan-to-deposit ratio, Commercial State Bank is 35th from the bottom among 346 Texas banks, 35.63% (Q2 2026). Commercial State Bank's loan-to-deposit ratio of 35.63% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 45.20 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.7M |
| Net loans and leases | $40.0M |
| Loans held for sale | $0 |
| Loans to total assets | 32.17% |
| Loan-to-deposit ratio | 35.63% |
| Net loans to equity capital | 3.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.36% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.11% |
| Consumer | 6.20% |
| Credit cards | 0.00% |
| Farm | 6.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.27% |
| Construction concentration (Tier 1 capital + allowance) | 11.19% |
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 | 7.88% |
| Interest income on loans | $818K |
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 | $38.5M | $92.7M | 29.26% | 23.23% | 10.08% |
| Q4 2023 | $39.5M | $96.6M | 28.36% | 22.02% | 9.30% |
| Q1 2024 | $41.5M | $104.4M | 29.23% | 22.25% | 8.77% |
| Q2 2024 | $42.2M | $102.5M | 28.70% | 23.87% | 6.91% |
| Q3 2024 | $42.8M | $99.9M | 28.78% | 26.02% | 5.95% |
| Q4 2024 | $42.5M | $96.1M | 29.30% | 24.78% | 6.58% |
| Q1 2025 | $44.2M | $105.0M | 29.40% | 25.78% | 6.20% |
| Q2 2025 | $43.6M | $105.9M | 34.20% | 18.60% | 6.55% |
| Q3 2025 | $44.0M | $113.4M | 34.62% | 18.61% | 6.33% |
| Q4 2025 | $43.7M | $107.8M | 34.88% | 16.64% | 6.70% |
| Q1 2026 | $43.1M | $108.5M | 34.29% | 16.65% | 6.03% |
| Q2 2026 | $40.7M | $114.3M | 34.36% | 17.11% | 6.20% |
Commercial State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10330) · FFIEC NIC profile (RSSD 1017564)