Fayette Savings Bank, SSB: 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 7.01 percentage points in Q2 2026, from 76.84% to 69.83%. It was the largest change from Q1 2026 among the key lines here. Fayette Savings Bank, SSB ranks 82nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 85.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Fayette Savings Bank, SSB sits 5.03 points higher, at 85.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $425.7M |
| Net loans and leases | $422.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.15% |
| Loan-to-deposit ratio | 85.97% |
| Net loans to equity capital | 7.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.27% |
| Multifamily (5+ residential) | 1.10% |
| Commercial and industrial | 1.58% |
| Consumer | 1.81% |
| Credit cards | 0.00% |
| Farm | 14.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.83% |
| Construction concentration (Tier 1 capital + allowance) | 54.18% |
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 | 6.49% |
| Interest income on loans | $6.7M |
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 | $340.3M | $383.3M | 12.74% | 3.32% | 2.78% |
| Q4 2023 | $359.7M | $400.0M | 14.49% | 3.63% | 2.90% |
| Q1 2024 | $360.8M | $404.6M | 14.57% | 2.23% | 2.85% |
| Q2 2024 | $362.2M | $417.5M | 15.56% | 3.21% | 2.28% |
| Q3 2024 | $362.0M | $411.4M | 15.76% | 2.94% | 2.30% |
| Q4 2024 | $365.8M | $411.8M | 16.04% | 1.34% | 2.14% |
| Q1 2025 | $367.5M | $427.6M | 15.59% | 1.40% | 1.96% |
| Q2 2025 | $378.2M | $422.1M | 15.66% | 1.76% | 1.79% |
| Q3 2025 | $390.1M | $436.0M | 15.27% | 1.80% | 1.88% |
| Q4 2025 | $401.5M | $446.0M | 15.73% | 1.79% | 1.79% |
| Q1 2026 | $406.2M | $480.3M | 15.27% | 1.61% | 1.82% |
| Q2 2026 | $425.7M | $495.2M | 14.27% | 1.58% | 1.81% |
Fayette Savings Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fayette Savings Bank, SSB, 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 Fayette Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31936) · FFIEC NIC profile (RSSD 675079)