The 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 17.22 percentage points higher than in Q1 2026, at 128.53%. Within Texas, The Community Bank is 236th of 346 on loan-to-deposit ratio, 62.33% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Community Bank sits 18.51 points lower, at 62.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $119.5M |
| Net loans and leases | $118.6M |
| Loans held for sale | $0 |
| Loans to total assets | 56.44% |
| Loan-to-deposit ratio | 62.33% |
| Net loans to equity capital | 6.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.64% |
| Multifamily (5+ residential) | 1.66% |
| Commercial and industrial | 15.31% |
| Consumer | 3.32% |
| Credit cards | 0.00% |
| Farm | 4.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 152.04% |
| Construction concentration (Tier 1 capital + allowance) | 128.53% |
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 | 7.51% |
| Interest income on loans | $2.2M |
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 | $104.6M | $149.8M | 17.62% | 19.85% | 3.01% |
| Q4 2023 | $104.7M | $148.8M | 17.23% | 20.85% | 3.22% |
| Q1 2024 | $105.2M | $167.6M | 16.41% | 19.77% | 3.05% |
| Q2 2024 | $111.4M | $154.2M | 17.05% | 18.29% | 2.98% |
| Q3 2024 | $107.4M | $158.9M | 17.28% | 14.51% | 3.00% |
| Q4 2024 | $114.8M | $153.7M | 16.75% | 14.11% | 2.88% |
| Q1 2025 | $112.6M | $161.9M | 15.97% | 16.16% | 2.56% |
| Q2 2025 | $115.8M | $163.4M | 15.30% | 16.25% | 2.38% |
| Q3 2025 | $119.4M | $173.0M | 16.49% | 15.06% | 2.07% |
| Q4 2025 | $116.2M | $178.3M | 18.48% | 15.14% | 2.22% |
| Q1 2026 | $116.4M | $180.7M | 18.16% | 15.66% | 2.83% |
| Q2 2026 | $119.5M | $191.8M | 17.64% | 15.31% | 3.32% |
The Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58517) · FFIEC NIC profile (RSSD 3479018)