Community 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.
Construction concentration (tier 1 capital + allowance) climbed 2.23 percentage points in Q2 2026, from 35.57% to 37.80%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Community Bank is 54th of 346 on loan-to-deposit ratio, 89.63% as of Q2 2026, above the middle of the field. Community Bank reported 89.63% on loan-to-deposit ratio for Q2 2026, 8.79 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.0M |
| Net loans and leases | $246.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.92% |
| Loan-to-deposit ratio | 89.63% |
| Net loans to equity capital | 6.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.33% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 12.49% |
| Consumer | 2.12% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.50% |
| Construction concentration (Tier 1 capital + allowance) | 37.80% |
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 | 6.05% |
| Interest income on loans | $3.8M |
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 | $225.3M | $249.2M | 27.98% | 10.21% | 2.74% |
| Q4 2023 | $237.1M | $266.6M | 27.51% | 12.32% | 2.92% |
| Q1 2024 | $235.7M | $269.7M | 28.02% | 10.48% | 2.91% |
| Q2 2024 | $236.4M | $253.0M | 27.88% | 10.12% | 2.81% |
| Q3 2024 | $235.4M | $247.6M | 27.31% | 10.61% | 2.58% |
| Q4 2024 | $249.6M | $263.1M | 27.00% | 13.79% | 2.44% |
| Q1 2025 | $241.8M | $261.8M | 27.78% | 10.41% | 2.78% |
| Q2 2025 | $242.7M | $262.4M | 27.77% | 10.60% | 2.50% |
| Q3 2025 | $237.2M | $253.1M | 26.03% | 10.63% | 2.50% |
| Q4 2025 | $248.8M | $275.7M | 26.21% | 14.63% | 2.37% |
| Q1 2026 | $243.5M | $265.1M | 27.34% | 11.90% | 2.28% |
| Q2 2026 | $249.0M | $277.8M | 27.33% | 12.49% | 2.12% |
Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25752) · FFIEC NIC profile (RSSD 572655)