First National Bank of Bosque County: 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) climbed 11.12 percentage points in Q2 2026, from 52.43% to 63.55%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Bosque County ranks 80th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 86.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Bosque County sits 5.46 points higher, at 86.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.8M |
| Net loans and leases | $135.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.03% |
| Loan-to-deposit ratio | 86.41% |
| Net loans to equity capital | 5.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.13% |
| Multifamily (5+ residential) | 1.42% |
| Commercial and industrial | 19.57% |
| Consumer | 4.75% |
| Credit cards | 0.00% |
| Farm | 7.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.55% |
| Construction concentration (Tier 1 capital + allowance) | 50.63% |
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 | 6.00% |
| Interest income on loans | $2.0M |
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 | $115.7M | $150.6M | 6.84% | 22.93% | 6.52% |
| Q4 2023 | $117.1M | $147.4M | 6.47% | 20.93% | 6.39% |
| Q1 2024 | $121.5M | $152.2M | 6.69% | 22.61% | 6.23% |
| Q2 2024 | $124.0M | $155.4M | 6.89% | 22.93% | 6.32% |
| Q3 2024 | $125.7M | $152.0M | 8.72% | 19.67% | 6.01% |
| Q4 2024 | $128.1M | $148.9M | 8.67% | 20.97% | 5.41% |
| Q1 2025 | $130.6M | $158.8M | 9.55% | 20.70% | 5.02% |
| Q2 2025 | $133.3M | $152.3M | 9.33% | 19.70% | 5.03% |
| Q3 2025 | $135.2M | $165.9M | 8.92% | 19.19% | 5.85% |
| Q4 2025 | $137.4M | $166.0M | 8.70% | 19.24% | 5.65% |
| Q1 2026 | $132.7M | $162.7M | 8.29% | 19.35% | 4.87% |
| Q2 2026 | $136.8M | $158.3M | 8.13% | 19.57% | 4.75% |
First National Bank of Bosque County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Bosque County, 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 First National Bank of Bosque County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5564) · FFIEC NIC profile (RSSD 198961)