First Capital 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.
Loan-to-deposit ratio dropped 4.00 percentage points in Q2 2026, from 82.10% to 78.10%. It was the largest change from Q1 2026 among the key lines here. First Capital Bank ranks 143rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 78.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Capital Bank sits 2.73 points lower, at 78.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $75.6M |
| Net loans and leases | $74.3M |
| Loans held for sale | $0 |
| Loans to total assets | 70.46% |
| Loan-to-deposit ratio | 78.10% |
| Net loans to equity capital | 7.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.37% |
| Multifamily (5+ residential) | 0.25% |
| Commercial and industrial | 13.38% |
| Consumer | 6.90% |
| Credit cards | 0.00% |
| Farm | 19.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.06% |
| Construction concentration (Tier 1 capital + allowance) | 4.07% |
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 | 7.91% |
| Interest income on loans | $1.5M |
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 | $69.1M | $72.9M | 8.14% | 15.88% | 9.42% |
| Q4 2023 | $75.5M | $88.0M | 7.02% | 14.61% | 8.88% |
| Q1 2024 | $76.7M | $77.0M | 6.71% | 13.42% | 8.73% |
| Q2 2024 | $75.3M | $88.7M | 7.16% | 14.99% | 9.26% |
| Q3 2024 | $76.4M | $85.0M | 6.73% | 15.29% | 8.90% |
| Q4 2024 | $80.3M | $95.0M | 7.27% | 12.94% | 7.96% |
| Q1 2025 | $81.5M | $85.6M | 7.06% | 13.53% | 7.52% |
| Q2 2025 | $80.4M | $91.7M | 7.06% | 13.51% | 7.81% |
| Q3 2025 | $78.4M | $97.0M | 7.05% | 13.48% | 8.07% |
| Q4 2025 | $84.4M | $106.5M | 6.65% | 11.78% | 7.21% |
| Q1 2026 | $79.5M | $96.8M | 7.37% | 12.99% | 6.78% |
| Q2 2026 | $75.6M | $96.8M | 8.37% | 13.38% | 6.90% |
First Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Capital 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 First Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3399) · FFIEC NIC profile (RSSD 919568)