Extraco Banks, N.A.: 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) dropped 13.74 percentage points in Q2 2026, from 55.77% to 42.02%. It was the largest change from Q1 2026 among the key lines here. Extraco Banks, N.A. ranks 220th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 64.41% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Extraco Banks, N.A. sits 23.79 points lower, at 64.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.35B |
| Net loans and leases | $1.32B |
| Loans held for sale | $5.5M |
| Loans to total assets | 52.39% |
| Loan-to-deposit ratio | 64.41% |
| Net loans to equity capital | 6.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.78% |
| Multifamily (5+ residential) | 1.16% |
| Commercial and industrial | 2.46% |
| Consumer | 15.58% |
| Credit cards | 0.00% |
| Farm | 1.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 139.50% |
| Construction concentration (Tier 1 capital + allowance) | 42.02% |
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 | 5.81% |
| Interest income on loans | $19.4M |
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 | $1.21B | $1.80B | 28.93% | 2.87% | 12.90% |
| Q4 2023 | $1.24B | $1.86B | 28.75% | 2.76% | 13.42% |
| Q1 2024 | $1.27B | $1.84B | 27.56% | 2.81% | 13.57% |
| Q2 2024 | $1.31B | $1.96B | 26.65% | 2.69% | 13.84% |
| Q3 2024 | $1.30B | $1.95B | 26.41% | 2.51% | 14.23% |
| Q4 2024 | $1.31B | $1.89B | 27.25% | 2.64% | 14.40% |
| Q1 2025 | $1.33B | $1.99B | 26.35% | 2.59% | 14.43% |
| Q2 2025 | $1.33B | $2.00B | 27.23% | 2.70% | 14.50% |
| Q3 2025 | $1.35B | $2.03B | 26.46% | 2.38% | 14.50% |
| Q4 2025 | $1.33B | $2.01B | 25.61% | 2.79% | 14.74% |
| Q1 2026 | $1.34B | $2.03B | 24.48% | 2.50% | 15.44% |
| Q2 2026 | $1.35B | $2.09B | 25.78% | 2.46% | 15.58% |
Extraco Banks, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Extraco Banks, N.A., 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 Extraco Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5551) · FFIEC NIC profile (RSSD 537560)