Community National 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 CRE concentration (Tier 1 capital + allowance): 5.21 percentage points lower than in Q1 2026, at 168.56%. Within Texas, Community National Bank is 176th of 346 on loan-to-deposit ratio, 72.74% as of Q2 2026, below the middle of the field. Community National Bank reported 72.74% on loan-to-deposit ratio for Q2 2026, 15.46 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.59B |
| Net loans and leases | $1.56B |
| Loans held for sale | $2.0M |
| Loans to total assets | 62.46% |
| Loan-to-deposit ratio | 72.74% |
| Net loans to equity capital | 4.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.64% |
| Multifamily (5+ residential) | 1.04% |
| Commercial and industrial | 32.01% |
| Consumer | 0.75% |
| Credit cards | 0.00% |
| Farm | 5.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 168.56% |
| Construction concentration (Tier 1 capital + allowance) | 68.90% |
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 | 7.17% |
| Interest income on loans | $28.7M |
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 | $1.42B | $1.63B | 28.92% | 35.43% | 1.18% |
| Q4 2023 | $1.45B | $1.87B | 30.19% | 33.79% | 1.12% |
| Q1 2024 | $1.47B | $1.91B | 29.94% | 32.53% | 1.08% |
| Q2 2024 | $1.48B | $1.90B | 31.34% | 31.33% | 1.06% |
| Q3 2024 | $1.50B | $1.95B | 32.34% | 29.04% | 1.00% |
| Q4 2024 | $1.58B | $2.11B | 32.28% | 29.80% | 0.89% |
| Q1 2025 | $1.59B | $2.14B | 32.48% | 29.85% | 1.02% |
| Q2 2025 | $1.61B | $2.08B | 33.55% | 31.16% | 0.91% |
| Q3 2025 | $1.66B | $2.01B | 31.69% | 31.56% | 0.81% |
| Q4 2025 | $1.62B | $2.24B | 32.05% | 32.63% | 0.82% |
| Q1 2026 | $1.60B | $2.23B | 32.68% | 32.40% | 0.79% |
| Q2 2026 | $1.59B | $2.18B | 32.64% | 32.01% | 0.75% |
Community National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24897) · FFIEC NIC profile (RSSD 293053)