The Falls City National 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 CRE concentration (Tier 1 capital + allowance): 1.85 percentage points lower than in Q1 2026, at 53.32%. On loan-to-deposit ratio, The Falls City National Bank is 20th from the bottom among 346 Texas banks, 27.64% (Q2 2026). The Falls City National Bank's loan-to-deposit ratio of 27.64% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 53.20 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.6M |
| Net loans and leases | $136.0M |
| Loans held for sale | $0 |
| Loans to total assets | 23.05% |
| Loan-to-deposit ratio | 27.64% |
| Net loans to equity capital | 1.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.79% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.37% |
| Consumer | 8.49% |
| Credit cards | 0.00% |
| Farm | 5.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.32% |
| Construction concentration (Tier 1 capital + allowance) | 39.58% |
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 | 7.36% |
| Interest income on loans | $2.5M |
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 | $148.2M | $487.5M | 13.28% | 5.39% | 8.21% |
| Q4 2023 | $145.1M | $502.3M | 13.16% | 5.25% | 8.71% |
| Q1 2024 | $148.5M | $490.4M | 13.19% | 5.38% | 8.50% |
| Q2 2024 | $155.0M | $488.1M | 11.99% | 4.51% | 7.86% |
| Q3 2024 | $160.8M | $488.5M | 11.59% | 4.36% | 7.78% |
| Q4 2024 | $144.6M | $503.4M | 12.44% | 5.36% | 8.58% |
| Q1 2025 | $140.9M | $506.0M | 11.54% | 5.22% | 8.54% |
| Q2 2025 | $142.8M | $489.6M | 11.25% | 5.08% | 8.42% |
| Q3 2025 | $142.2M | $489.5M | 11.25% | 4.82% | 8.49% |
| Q4 2025 | $139.8M | $498.2M | 11.07% | 4.84% | 8.90% |
| Q1 2026 | $138.1M | $501.2M | 12.39% | 5.09% | 8.39% |
| Q2 2026 | $137.6M | $498.0M | 11.79% | 5.37% | 8.49% |
The Falls City National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Falls City National 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 Falls City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3193) · FFIEC NIC profile (RSSD 441050)