Fidelity Bank of Texas: 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.
Loan-to-deposit ratio climbed 6.15 percentage points in Q2 2026, from 76.67% to 82.82%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Fidelity Bank of Texas is 111th of 346 on loan-to-deposit ratio, 82.82% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Fidelity Bank of Texas reported 82.82% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $109.8M |
| Net loans and leases | $109.1M |
| Loans held for sale | $0 |
| Loans to total assets | 67.41% |
| Loan-to-deposit ratio | 82.82% |
| Net loans to equity capital | 4.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.23% |
| Multifamily (5+ residential) | 2.12% |
| Commercial and industrial | 8.91% |
| Consumer | 1.59% |
| Credit cards | 0.00% |
| Farm | 3.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 245.99% |
| Construction concentration (Tier 1 capital + allowance) | 90.14% |
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 | — |
| Interest income on loans | $1.9M |
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 | $44.4M | $100.4M | 36.19% | 16.50% | 2.69% |
| Q4 2023 | $47.1M | $92.8M | 33.73% | 21.58% | 2.36% |
| Q1 2024 | $56.4M | $90.9M | 27.95% | 34.49% | 2.07% |
| Q2 2024 | $57.6M | $91.8M | 29.77% | 32.18% | 2.03% |
| Q3 2024 | $66.8M | $96.4M | 27.40% | 26.62% | 2.45% |
| Q4 2024 | $73.9M | $97.1M | 31.21% | 25.39% | 2.44% |
| Q1 2025 | $82.1M | $97.3M | 31.97% | 24.22% | 1.67% |
| Q2 2025 | $93.5M | $107.3M | 38.01% | 14.61% | 1.75% |
| Q3 2025 | $102.6M | $117.4M | 37.90% | 13.08% | 1.76% |
| Q4 2025 | $105.5M | $126.2M | 35.97% | 8.07% | 1.73% |
| Q1 2026 | $103.4M | $134.9M | 32.38% | 10.22% | 1.65% |
| Q2 2026 | $109.8M | $132.5M | 33.23% | 8.91% | 1.59% |
Fidelity Bank of Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank of Texas, 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 Fidelity Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21455) · FFIEC NIC profile (RSSD 741068)