The First National Bank of Bastrop: 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): 1.31 percentage points higher than in Q1 2026, at 171.49%. The First National Bank of Bastrop ranks 202nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 67.57% (Q2 2026). The First National Bank of Bastrop reported 67.57% on loan-to-deposit ratio for Q2 2026, 20.63 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $721.7M |
| Net loans and leases | $713.5M |
| Loans held for sale | $0 |
| Loans to total assets | 61.13% |
| Loan-to-deposit ratio | 67.57% |
| Net loans to equity capital | 6.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.47% |
| Multifamily (5+ residential) | 1.54% |
| Commercial and industrial | 5.43% |
| Consumer | 1.94% |
| Credit cards | 0.00% |
| Farm | 14.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.49% |
| Construction concentration (Tier 1 capital + allowance) | 71.96% |
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 | 7.10% |
| Interest income on loans | $12.5M |
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 | $523.0M | $852.8M | 37.10% | 2.02% | 2.46% |
| Q4 2023 | $531.3M | $859.3M | 35.52% | 2.30% | 2.40% |
| Q1 2024 | $539.7M | $879.3M | 34.42% | 2.20% | 2.36% |
| Q2 2024 | $547.4M | $875.1M | 31.59% | 2.68% | 2.29% |
| Q3 2024 | $548.9M | $908.3M | 34.44% | 2.91% | 2.30% |
| Q4 2024 | $561.0M | $915.7M | 35.13% | 3.66% | 2.47% |
| Q1 2025 | $567.4M | $934.1M | 35.79% | 3.88% | 2.57% |
| Q2 2025 | $611.6M | $917.2M | 33.62% | 4.62% | 2.50% |
| Q3 2025 | $645.0M | $925.2M | 31.10% | 5.23% | 2.32% |
| Q4 2025 | $653.1M | $999.1M | 29.31% | 4.68% | 2.22% |
| Q1 2026 | $671.9M | $990.8M | 29.55% | 4.76% | 2.11% |
| Q2 2026 | $721.7M | $1.07B | 28.47% | 5.43% | 1.94% |
The First National Bank of Bastrop 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 Bastrop, 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 Bastrop profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3091) · FFIEC NIC profile (RSSD 18050)