Community National Bank & Trust of Texas: 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): 5.73 percentage points higher than in Q1 2026, at 112.52%. Community National Bank & Trust of Texas ranks 101st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.21% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Community National Bank & Trust of Texas sits 3.99 points lower, at 84.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.20B |
| Net loans and leases | $1.18B |
| Loans held for sale | $451K |
| Loans to total assets | 71.09% |
| Loan-to-deposit ratio | 84.21% |
| Net loans to equity capital | 6.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.08% |
| Multifamily (5+ residential) | 1.07% |
| Commercial and industrial | 13.02% |
| Consumer | 0.92% |
| Credit cards | 0.00% |
| Farm | 4.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 330.48% |
| Construction concentration (Tier 1 capital + allowance) | 112.52% |
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 | 7.07% |
| Interest income on loans | $21.0M |
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 | $865.6M | $1.03B | 44.94% | 13.02% | 1.06% |
| Q4 2023 | $887.5M | $1.03B | 44.59% | 13.94% | 1.03% |
| Q1 2024 | $855.2M | $1.04B | 47.38% | 12.38% | 1.01% |
| Q2 2024 | $872.0M | $1.08B | 47.07% | 13.22% | 1.00% |
| Q3 2024 | $893.7M | $1.09B | 49.46% | 13.84% | 1.05% |
| Q4 2024 | $882.7M | $1.08B | 48.70% | 12.56% | 1.00% |
| Q1 2025 | $886.1M | $1.07B | 48.03% | 13.01% | 0.94% |
| Q2 2025 | $1.17B | $1.34B | 49.37% | 12.95% | 1.26% |
| Q3 2025 | $1.15B | $1.38B | 51.80% | 13.24% | 1.19% |
| Q4 2025 | $1.19B | $1.37B | 53.51% | 12.78% | 1.04% |
| Q1 2026 | $1.18B | $1.42B | 53.16% | 12.67% | 0.98% |
| Q2 2026 | $1.20B | $1.42B | 52.08% | 13.02% | 0.92% |
Community National Bank & Trust of Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank & Trust of Texas, 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 & Trust of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18185) · FFIEC NIC profile (RSSD 738769)