The First National Bank in Cooper: 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): 12.76 percentage points lower than in Q1 2026, at 18.64%. The First National Bank in Cooper ranks 242nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 61.00% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank in Cooper sits 6.63 points lower, at 61.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.3M |
| Net loans and leases | $30.1M |
| Loans held for sale | $0 |
| Loans to total assets | 52.87% |
| Loan-to-deposit ratio | 61.00% |
| Net loans to equity capital | 4.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.51% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.55% |
| Consumer | 5.65% |
| Credit cards | 0.00% |
| Farm | 13.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.64% |
| Construction concentration (Tier 1 capital + allowance) | 5.43% |
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 | 5.52% |
| Interest income on loans | $429K |
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 | $29.1M | $45.5M | 8.43% | 4.77% | 7.30% |
| Q4 2023 | $30.0M | $44.9M | 8.27% | 4.37% | 7.60% |
| Q1 2024 | $32.2M | $48.1M | 7.46% | 3.67% | 7.00% |
| Q2 2024 | $32.3M | $46.7M | 7.21% | 3.39% | 6.75% |
| Q3 2024 | $32.8M | $44.3M | 6.85% | 3.23% | 7.20% |
| Q4 2024 | $32.1M | $45.5M | 5.54% | 3.38% | 7.55% |
| Q1 2025 | $32.6M | $47.8M | 6.11% | 3.04% | 6.84% |
| Q2 2025 | $32.6M | $47.0M | 5.86% | 2.96% | 6.69% |
| Q3 2025 | $32.1M | $46.0M | 5.71% | 3.44% | 6.82% |
| Q4 2025 | $31.9M | $47.9M | 5.57% | 2.75% | 6.22% |
| Q1 2026 | $31.7M | $50.5M | 5.39% | 2.32% | 5.57% |
| Q2 2026 | $30.3M | $49.7M | 4.51% | 2.55% | 5.65% |
The First National Bank in Cooper loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Cooper, 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 The First National Bank in Cooper profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3149) · FFIEC NIC profile (RSSD 767152)