Crossroads 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 2.50 percentage points in Q2 2026, from 9.08% to 11.58%. It was the largest change from Q1 2026 among the key lines here. Crossroads Bank ranks 238th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 61.60% (Q2 2026). Crossroads Bank reported 61.60% on loan-to-deposit ratio for Q2 2026, 19.24 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $212.8M |
| Net loans and leases | $210.3M |
| Loans held for sale | $0 |
| Loans to total assets | 55.90% |
| Loan-to-deposit ratio | 61.60% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.14% |
| Multifamily (5+ residential) | 0.48% |
| Commercial and industrial | 18.58% |
| Consumer | 9.44% |
| Credit cards | 0.00% |
| Farm | 1.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.08% |
| Construction concentration (Tier 1 capital + allowance) | 11.58% |
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 | — |
| Interest income on loans | $4.0M |
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 | $185.3M | $292.9M | 27.03% | 14.94% | 10.29% |
| Q4 2023 | $184.7M | $297.8M | 26.52% | 14.50% | 10.30% |
| Q1 2024 | $184.7M | $297.3M | 26.15% | 13.76% | 10.55% |
| Q2 2024 | $187.9M | $295.2M | 25.98% | 13.92% | 10.70% |
| Q3 2024 | $196.9M | $308.9M | 24.72% | 15.81% | 10.73% |
| Q4 2024 | $201.7M | $309.2M | 24.15% | 17.15% | 10.15% |
| Q1 2025 | $203.7M | $314.4M | 24.75% | 17.23% | 10.05% |
| Q2 2025 | $204.7M | $323.5M | 24.60% | 17.64% | 10.03% |
| Q3 2025 | $207.3M | $339.1M | 24.02% | 18.14% | 9.67% |
| Q4 2025 | $209.5M | $348.0M | 23.75% | 18.80% | 10.05% |
| Q1 2026 | $210.7M | $347.1M | 23.47% | 18.93% | 9.76% |
| Q2 2026 | $212.8M | $345.4M | 23.14% | 18.58% | 9.44% |
Crossroads Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads 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 Crossroads Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10709) · FFIEC NIC profile (RSSD 564463)