The First National Bank of Aspermont: 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.
Construction concentration (tier 1 capital + allowance) climbed 5.49 percentage points in Q2 2026, from 7.85% to 13.34%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Aspermont is 307th of 346 on loan-to-deposit ratio, 38.94% as of Q2 2026, below the middle of the field. The First National Bank of Aspermont's loan-to-deposit ratio of 38.94% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 41.89 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $49.8M |
| Net loans and leases | $49.2M |
| Loans held for sale | $0 |
| Loans to total assets | 37.23% |
| Loan-to-deposit ratio | 38.94% |
| Net loans to equity capital | 9.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.81% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.43% |
| Consumer | 5.33% |
| Credit cards | 0.00% |
| Farm | 17.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.10% |
| Construction concentration (Tier 1 capital + allowance) | 13.34% |
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 | 7.25% |
| Interest income on loans | $879K |
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 | $33.0M | $97.1M | 16.58% | 6.94% | 9.28% |
| Q4 2023 | $32.2M | $102.3M | 16.64% | 7.63% | 9.80% |
| Q1 2024 | $34.0M | $107.3M | 16.11% | 7.99% | 8.98% |
| Q2 2024 | $33.2M | $112.2M | 16.35% | 8.63% | 8.43% |
| Q3 2024 | $37.1M | $113.4M | 14.73% | 7.00% | 7.69% |
| Q4 2024 | $37.9M | $113.6M | 15.13% | 7.21% | 7.09% |
| Q1 2025 | $38.5M | $124.1M | 15.78% | 6.60% | 6.86% |
| Q2 2025 | $42.7M | $122.5M | 16.25% | 6.86% | 6.49% |
| Q3 2025 | $43.1M | $127.2M | 15.64% | 7.26% | 6.66% |
| Q4 2025 | $44.5M | $131.1M | 15.57% | 8.31% | 6.32% |
| Q1 2026 | $47.7M | $130.6M | 17.46% | 8.49% | 5.31% |
| Q2 2026 | $49.8M | $128.0M | 16.81% | 10.43% | 5.33% |
The First National Bank of Aspermont 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 Aspermont, 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 Aspermont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3079) · FFIEC NIC profile (RSSD 138257)