The Cowboy Bank 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): 23.60 percentage points lower than in Q1 2026, at 122.36%. Within Texas, The Cowboy Bank of Texas is 171st of 346 on loan-to-deposit ratio, 73.09% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Cowboy Bank of Texas sits 7.85 points lower, at 73.09% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $64.4M |
| Net loans and leases | $63.7M |
| Loans held for sale | $0 |
| Loans to total assets | 59.25% |
| Loan-to-deposit ratio | 73.09% |
| Net loans to equity capital | 3.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.85% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.08% |
| Consumer | 4.52% |
| Credit cards | 0.00% |
| Farm | 2.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 133.55% |
| Construction concentration (Tier 1 capital + allowance) | 122.36% |
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 | 7.66% |
| Interest income on loans | $1.3M |
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 | $64.0M | $84.3M | 0.98% | 0.58% | 4.43% |
| Q4 2023 | $66.7M | $85.3M | 0.93% | 0.41% | 4.20% |
| Q1 2024 | $65.7M | $84.8M | 3.74% | 0.40% | 4.23% |
| Q2 2024 | $70.6M | $82.0M | 3.48% | 0.29% | 3.24% |
| Q3 2024 | $73.8M | $87.1M | 3.47% | 0.12% | 3.78% |
| Q4 2024 | $72.0M | $87.6M | 5.03% | 0.17% | 3.66% |
| Q1 2025 | $70.6M | $95.6M | 5.45% | 0.17% | 3.38% |
| Q2 2025 | $67.7M | $87.6M | 5.07% | 0.18% | 4.49% |
| Q3 2025 | $67.3M | $88.0M | 6.95% | 0.16% | 4.42% |
| Q4 2025 | $67.0M | $90.5M | 9.01% | 0.08% | 4.70% |
| Q1 2026 | $68.5M | $89.2M | 8.93% | 0.08% | 4.72% |
| Q2 2026 | $64.4M | $88.1M | 10.85% | 0.08% | 4.52% |
The Cowboy Bank of Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cowboy Bank 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 The Cowboy Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12298) · FFIEC NIC profile (RSSD 370954)