First Community 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.
CRE concentration (Tier 1 capital + allowance) climbed 12.21 percentage points in Q2 2026, from 277.48% to 289.69%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First Community Bank is 207th of 346 on loan-to-deposit ratio, 66.93% as of Q2 2026. First Community Bank reported 66.93% on loan-to-deposit ratio for Q2 2026, 13.63 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $466.8M |
| Net loans and leases | $460.8M |
| Loans held for sale | $0 |
| Loans to total assets | 58.76% |
| Loan-to-deposit ratio | 66.93% |
| Net loans to equity capital | 6.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.64% |
| Multifamily (5+ residential) | 8.71% |
| Commercial and industrial | 19.12% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 2.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 289.69% |
| Construction concentration (Tier 1 capital + allowance) | 116.10% |
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 | 7.23% |
| Interest income on loans | $8.5M |
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 | $419.7M | $629.0M | 27.39% | 18.40% | 1.00% |
| Q4 2023 | $429.8M | $616.7M | 26.80% | 19.22% | 0.96% |
| Q1 2024 | $459.6M | $641.2M | 29.30% | 18.17% | 0.88% |
| Q2 2024 | $465.6M | $652.4M | 31.21% | 17.59% | 0.95% |
| Q3 2024 | $466.7M | $664.2M | 31.09% | 19.22% | 0.90% |
| Q4 2024 | $466.6M | $646.3M | 31.87% | 20.54% | 0.89% |
| Q1 2025 | $471.2M | $644.2M | 33.90% | 20.20% | 0.85% |
| Q2 2025 | $478.6M | $668.0M | 33.69% | 20.36% | 0.84% |
| Q3 2025 | $482.0M | $705.4M | 34.10% | 19.14% | 0.78% |
| Q4 2025 | $473.1M | $690.9M | 33.66% | 18.60% | 0.80% |
| Q1 2026 | $467.4M | $702.0M | 32.73% | 19.36% | 0.82% |
| Q2 2026 | $466.8M | $697.4M | 32.64% | 19.12% | 0.81% |
First Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22964) · FFIEC NIC profile (RSSD 334264)