The First National Bank of Ballinger: 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 48.46 percentage points in Q2 2026, from 220.96% to 172.50%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Ballinger ranks 234th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 62.85% (Q2 2026). The First National Bank of Ballinger reported 62.85% on loan-to-deposit ratio for Q2 2026, 17.99 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $154.0M |
| Net loans and leases | $150.8M |
| Loans held for sale | $0 |
| Loans to total assets | 55.93% |
| Loan-to-deposit ratio | 62.85% |
| Net loans to equity capital | 5.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.92% |
| Multifamily (5+ residential) | 4.16% |
| Commercial and industrial | 14.84% |
| Consumer | 1.11% |
| Credit cards | 0.00% |
| Farm | 6.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.50% |
| Construction concentration (Tier 1 capital + allowance) | 50.38% |
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 | 7.37% |
| Interest income on loans | $3.0M |
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 | $150.4M | $228.2M | 40.80% | 14.51% | 1.40% |
| Q4 2023 | $152.7M | $227.3M | 41.96% | 14.03% | 1.34% |
| Q1 2024 | $155.7M | $229.1M | 41.41% | 14.37% | 1.29% |
| Q2 2024 | $157.6M | $232.5M | 42.03% | 13.70% | 1.26% |
| Q3 2024 | $164.8M | $233.1M | 43.68% | 12.69% | 1.33% |
| Q4 2024 | $168.5M | $238.4M | 42.23% | 12.04% | 1.32% |
| Q1 2025 | $163.7M | $231.0M | 46.11% | 11.48% | 1.25% |
| Q2 2025 | $160.5M | $233.7M | 43.61% | 13.18% | 1.23% |
| Q3 2025 | $159.0M | $238.5M | 43.98% | 13.58% | 1.24% |
| Q4 2025 | $149.9M | $245.1M | 44.48% | 10.49% | 1.19% |
| Q1 2026 | $166.0M | $246.2M | 42.03% | 16.46% | 1.04% |
| Q2 2026 | $154.0M | $244.9M | 40.92% | 14.84% | 1.11% |
The First National Bank of Ballinger 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 Ballinger, 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 Ballinger profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3087) · FFIEC NIC profile (RSSD 160454)