The Donley County State 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 Farm: 6.74 percentage points lower than in Q1 2026, at 18.43%. The Donley County State Bank has the 10th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 18.47% as of Q2 2026. The Donley County State Bank's loan-to-deposit ratio of 18.47% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 49.15 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.2M |
| Net loans and leases | $7.0M |
| Loans held for sale | $0 |
| Loans to total assets | 14.54% |
| Loan-to-deposit ratio | 18.47% |
| Net loans to equity capital | 0.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.97% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.04% |
| Consumer | 8.56% |
| Credit cards | 0.00% |
| Farm | 18.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.70% |
| Interest income on loans | $136K |
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 | $7.1M | $39.0M | 16.20% | 16.08% | 8.95% |
| Q4 2023 | $7.4M | $40.0M | 14.31% | 16.40% | 8.33% |
| Q1 2024 | $7.6M | $37.5M | 16.19% | 17.39% | 8.46% |
| Q2 2024 | $8.5M | $37.3M | 14.73% | 16.63% | 8.09% |
| Q3 2024 | $8.2M | $39.4M | 16.12% | 15.25% | 8.59% |
| Q4 2024 | $8.2M | $40.9M | 14.47% | 12.10% | 7.94% |
| Q1 2025 | $8.5M | $38.9M | 12.51% | 16.35% | 7.27% |
| Q2 2025 | $8.3M | $37.5M | 11.27% | 15.34% | 7.61% |
| Q3 2025 | $7.3M | $38.9M | 11.27% | 15.20% | 7.95% |
| Q4 2025 | $6.8M | $39.6M | 12.51% | 16.08% | 8.59% |
| Q1 2026 | $6.6M | $36.8M | 14.90% | 17.52% | 7.46% |
| Q2 2026 | $7.2M | $39.1M | 11.97% | 16.04% | 8.56% |
The Donley County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Donley County State 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 The Donley County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11891) · FFIEC NIC profile (RSSD 753856)