First National Bank and Trust Company of Weatherford dba First Bank 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 21.12 percentage points lower than in Q1 2026, at 202.29%. Within Texas, First National Bank and Trust Company of Weatherford dba First Bank Texas is 254th of 346 on loan-to-deposit ratio, 57.32% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank and Trust Company of Weatherford dba First Bank Texas sits 23.52 points lower, at 57.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $498.5M |
| Net loans and leases | $492.0M |
| Loans held for sale | $1.0M |
| Loans to total assets | 51.48% |
| Loan-to-deposit ratio | 57.32% |
| Net loans to equity capital | 5.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.76% |
| Multifamily (5+ residential) | 1.50% |
| Commercial and industrial | 10.16% |
| Consumer | 0.80% |
| Credit cards | 0.00% |
| Farm | 7.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 202.29% |
| Construction concentration (Tier 1 capital + allowance) | 82.75% |
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 | 7.77% |
| Interest income on loans | $10.1M |
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 | $732.8M | $912.3M | 40.12% | 12.06% | 1.31% |
| Q4 2023 | $724.5M | $895.8M | 41.84% | 12.02% | 1.28% |
| Q1 2024 | $739.6M | $928.6M | 41.88% | 11.78% | 1.17% |
| Q2 2024 | $729.4M | $915.4M | 42.88% | 11.98% | 1.19% |
| Q3 2024 | $713.5M | $937.8M | 44.01% | 11.49% | 1.15% |
| Q4 2024 | $703.0M | $925.9M | 44.60% | 10.99% | 1.04% |
| Q1 2025 | $675.9M | $906.7M | 43.26% | 10.73% | 1.00% |
| Q2 2025 | $619.4M | $911.8M | 45.48% | 10.78% | 1.01% |
| Q3 2025 | $590.4M | $877.7M | 46.77% | 10.34% | 1.00% |
| Q4 2025 | $557.0M | $882.7M | 47.52% | 7.97% | 0.98% |
| Q1 2026 | $537.7M | $868.3M | 47.91% | 8.77% | 0.97% |
| Q2 2026 | $498.5M | $869.7M | 46.76% | 10.16% | 0.80% |
First National Bank and Trust Company of Weatherford dba First Bank Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust Company of Weatherford dba First Bank 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 First National Bank and Trust Company of Weatherford dba First Bank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5575) · FFIEC NIC profile (RSSD 614368)