The First National Bank of Anson: 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 6.36 percentage points in Q2 2026, from 42.94% to 36.58%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Anson ranks 296th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 42.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Anson sits 38.49 points lower, at 42.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $41.2M |
| Net loans and leases | $40.3M |
| Loans held for sale | $0 |
| Loans to total assets | 39.12% |
| Loan-to-deposit ratio | 42.34% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.01% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.68% |
| Consumer | 20.16% |
| Credit cards | 0.00% |
| Farm | 7.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.74% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.58% |
| Construction concentration (Tier 1 capital + allowance) | 10.23% |
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 | 8.50% |
| Interest income on loans | $885K |
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 | $42.3M | $69.0M | 6.20% | 13.79% | 24.71% |
| Q4 2023 | $43.5M | $63.1M | 6.03% | 14.50% | 24.60% |
| Q1 2024 | $42.9M | $63.8M | 6.24% | 15.13% | 24.31% |
| Q2 2024 | $45.0M | $62.6M | 6.03% | 16.99% | 22.66% |
| Q3 2024 | $44.7M | $63.6M | 5.97% | 16.34% | 22.61% |
| Q4 2024 | $43.6M | $64.0M | 6.06% | 14.78% | 22.69% |
| Q1 2025 | $43.9M | $64.1M | 5.93% | 15.97% | 22.24% |
| Q2 2025 | $45.3M | $79.3M | 6.02% | 18.44% | 21.13% |
| Q3 2025 | $45.6M | $89.0M | 6.02% | 18.64% | 20.56% |
| Q4 2025 | $45.4M | $88.0M | 0.63% | 16.88% | 19.73% |
| Q1 2026 | $42.7M | $104.6M | 6.49% | 17.39% | 20.50% |
| Q2 2026 | $41.2M | $97.2M | 6.01% | 15.68% | 20.16% |
The First National Bank of Anson 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 Anson, 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 Anson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3078) · FFIEC NIC profile (RSSD 366359)