First National Bank in Port Lavaca: 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): 7.01 percentage points lower than in Q1 2026, at 116.32%. First National Bank in Port Lavaca ranks 195th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 68.93% (Q2 2026). First National Bank in Port Lavaca reported 68.93% on loan-to-deposit ratio for Q2 2026, 11.91 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $202.8M |
| Net loans and leases | $200.2M |
| Loans held for sale | $0 |
| Loans to total assets | 56.14% |
| Loan-to-deposit ratio | 68.93% |
| Net loans to equity capital | 5.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.81% |
| Multifamily (5+ residential) | 1.01% |
| Commercial and industrial | 4.75% |
| Consumer | 3.50% |
| Credit cards | 0.00% |
| Farm | 0.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 116.32% |
| Construction concentration (Tier 1 capital + allowance) | 43.90% |
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 | 5.80% |
| Interest income on loans | $2.9M |
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 | $216.5M | $337.5M | 20.55% | 5.30% | 3.84% |
| Q4 2023 | $212.7M | $323.3M | 20.90% | 5.34% | 3.90% |
| Q1 2024 | $216.5M | $324.3M | 21.74% | 5.19% | 3.64% |
| Q2 2024 | $217.6M | $312.0M | 21.25% | 5.00% | 3.72% |
| Q3 2024 | $220.8M | $313.8M | 23.90% | 5.02% | 3.60% |
| Q4 2024 | $215.7M | $306.4M | 23.68% | 5.44% | 3.62% |
| Q1 2025 | $218.3M | $305.3M | 23.58% | 5.33% | 3.60% |
| Q2 2025 | $218.9M | $300.3M | 23.35% | 4.98% | 3.86% |
| Q3 2025 | $212.6M | $300.5M | 21.62% | 4.79% | 3.68% |
| Q4 2025 | $207.9M | $313.3M | 22.32% | 4.75% | 3.91% |
| Q1 2026 | $205.9M | $292.3M | 20.50% | 4.94% | 3.68% |
| Q2 2026 | $202.8M | $294.3M | 19.81% | 4.75% | 3.50% |
First National Bank in Port Lavaca loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Port Lavaca, 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 in Port Lavaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17811) · FFIEC NIC profile (RSSD 855264)