The First National Bank of Anderson: 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) dropped 21.66 percentage points in Q2 2026, from 140.68% to 119.02%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Anderson ranks 188th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 70.23% (Q2 2026). The First National Bank of Anderson reported 70.23% on loan-to-deposit ratio for Q2 2026, 10.61 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $142.7M |
| Net loans and leases | $140.7M |
| Loans held for sale | $0 |
| Loans to total assets | 61.94% |
| Loan-to-deposit ratio | 70.23% |
| Net loans to equity capital | 5.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.41% |
| Multifamily (5+ residential) | 2.75% |
| Commercial and industrial | 6.72% |
| Consumer | 5.07% |
| Credit cards | 0.00% |
| Farm | 10.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.02% |
| Construction concentration (Tier 1 capital + allowance) | 64.18% |
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 | 6.96% |
| Interest income on loans | $2.4M |
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 | $136.6M | $185.4M | 33.93% | 7.43% | 4.88% |
| Q4 2023 | $137.7M | $195.4M | 33.59% | 6.68% | 4.89% |
| Q1 2024 | $135.2M | $185.8M | 33.98% | 7.22% | 4.90% |
| Q2 2024 | $136.0M | $186.4M | 34.21% | 7.94% | 4.75% |
| Q3 2024 | $138.2M | $190.1M | 33.82% | 7.30% | 4.76% |
| Q4 2024 | $141.4M | $200.3M | 36.48% | 6.24% | 4.65% |
| Q1 2025 | $137.1M | $186.8M | 35.04% | 6.29% | 4.53% |
| Q2 2025 | $135.1M | $182.9M | 33.36% | 7.10% | 4.17% |
| Q3 2025 | $141.6M | $192.1M | 33.18% | 6.89% | 3.78% |
| Q4 2025 | $140.9M | $208.1M | 33.07% | 6.55% | 4.11% |
| Q1 2026 | $141.3M | $197.4M | 37.22% | 6.29% | 3.86% |
| Q2 2026 | $142.7M | $203.2M | 34.41% | 6.72% | 5.07% |
The First National Bank of Anderson loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Anderson, 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 of Anderson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3075) · FFIEC NIC profile (RSSD 362155)