First 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.
Cre concentration (tier 1 capital + allowance) climbed 23.69 percentage points in Q2 2026, from 32.84% to 56.53%. It was the largest change from Q1 2026 among the key lines here. First National Bank ranks 287th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 44.81% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First National Bank sits 22.81 points lower, at 44.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.5M |
| Net loans and leases | $39.6M |
| Loans held for sale | $0 |
| Loans to total assets | 41.98% |
| Loan-to-deposit ratio | 44.81% |
| Net loans to equity capital | 6.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.95% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.58% |
| Consumer | 6.28% |
| Credit cards | 0.00% |
| Farm | 11.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.53% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $832K |
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 | $31.5M | $83.0M | 6.38% | 17.58% | 7.27% |
| Q4 2023 | $34.7M | $87.9M | 8.59% | 15.40% | 6.45% |
| Q1 2024 | $34.4M | $85.1M | 8.40% | 15.77% | 6.19% |
| Q2 2024 | $37.7M | $83.9M | 8.60% | 18.37% | 6.04% |
| Q3 2024 | $36.4M | $82.4M | 7.07% | 17.07% | 6.41% |
| Q4 2024 | $41.5M | $86.0M | 6.28% | 15.77% | 5.45% |
| Q1 2025 | $38.5M | $90.5M | 7.95% | 15.11% | 5.61% |
| Q2 2025 | $34.7M | $81.6M | 9.02% | 14.54% | 6.43% |
| Q3 2025 | $36.8M | $87.8M | 8.33% | 14.97% | 6.69% |
| Q4 2025 | $41.4M | $88.2M | 8.13% | 12.69% | 6.24% |
| Q1 2026 | $38.2M | $91.6M | 10.01% | 16.19% | 6.32% |
| Q2 2026 | $40.5M | $90.4M | 15.95% | 13.58% | 6.28% |
First National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34455) · FFIEC NIC profile (RSSD 2490285)