Dallas Capital Bank, National Association: 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.
CRE concentration (Tier 1 capital + allowance) dropped 3.87 percentage points in Q2 2026, from 260.59% to 256.72%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, Dallas Capital Bank, National Association sits 18th from the top on loan-to-deposit ratio, 99.64% as of Q2 2026. Dallas Capital Bank, National Association reported 99.64% on loan-to-deposit ratio for Q2 2026, 11.44 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $935.5M |
| Net loans and leases | $929.1M |
| Loans held for sale | $0 |
| Loans to total assets | 77.55% |
| Loan-to-deposit ratio | 99.64% |
| Net loans to equity capital | 6.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.33% |
| Multifamily (5+ residential) | 2.77% |
| Commercial and industrial | 13.77% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 256.72% |
| Construction concentration (Tier 1 capital + allowance) | 59.37% |
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 | 5.97% |
| Interest income on loans | $13.0M |
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 | $864.5M | $908.5M | 33.67% | 10.10% | 0.00% |
| Q4 2023 | $749.8M | $828.0M | 38.44% | 9.16% | 0.00% |
| Q1 2024 | $900.1M | $837.3M | 32.92% | 10.27% | 0.00% |
| Q2 2024 | $896.9M | $903.9M | 33.73% | 10.11% | 0.00% |
| Q3 2024 | $913.4M | $984.4M | 32.57% | 12.06% | 0.00% |
| Q4 2024 | $833.6M | $928.7M | 36.98% | 13.10% | 0.00% |
| Q1 2025 | $888.1M | $986.3M | 34.07% | 13.33% | 0.00% |
| Q2 2025 | $922.6M | $998.2M | 33.04% | 14.45% | 0.00% |
| Q3 2025 | $856.4M | $1.04B | 34.36% | 13.83% | 0.00% |
| Q4 2025 | $856.1M | $950.5M | 33.17% | 14.39% | 0.00% |
| Q1 2026 | $897.9M | $913.0M | 32.59% | 14.32% | 0.00% |
| Q2 2026 | $935.5M | $938.9M | 30.33% | 13.77% | 0.00% |
Dallas Capital Bank, National Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dallas Capital Bank, National Association, 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 Dallas Capital Bank, National Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20727) · FFIEC NIC profile (RSSD 384652)