First National Bank of Burleson: 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 1.78 percentage points in Q2 2026, from 14.95% to 16.74%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First National Bank of Burleson is 279th of 346 on loan-to-deposit ratio, 47.58% as of Q2 2026, below the middle of the field. First National Bank of Burleson reported 47.58% on loan-to-deposit ratio for Q2 2026, 33.26 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $104.0M |
| Net loans and leases | $102.6M |
| Loans held for sale | $0 |
| Loans to total assets | 41.46% |
| Loan-to-deposit ratio | 47.58% |
| Net loans to equity capital | 3.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 71.38% |
| Multifamily (5+ residential) | 1.89% |
| Commercial and industrial | 5.56% |
| Consumer | 3.18% |
| Credit cards | 0.00% |
| Farm | 1.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.34% |
| Construction concentration (Tier 1 capital + allowance) | 16.74% |
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 | 7.47% |
| 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 | $100.9M | $207.6M | 63.49% | 8.58% | 4.15% |
| Q4 2023 | $105.2M | $245.0M | 65.51% | 8.08% | 4.16% |
| Q1 2024 | $104.3M | $238.4M | 65.34% | 8.31% | 4.32% |
| Q2 2024 | $105.8M | $233.2M | 66.38% | 8.03% | 4.26% |
| Q3 2024 | $110.2M | $230.4M | 68.21% | 7.61% | 4.19% |
| Q4 2024 | $108.5M | $230.7M | 67.86% | 6.96% | 4.19% |
| Q1 2025 | $104.0M | $234.8M | 66.95% | 6.66% | 4.03% |
| Q2 2025 | $99.3M | $233.9M | 65.16% | 8.45% | 4.10% |
| Q3 2025 | $98.3M | $234.2M | 67.34% | 6.13% | 3.91% |
| Q4 2025 | $102.3M | $238.2M | 67.67% | 6.29% | 3.48% |
| Q1 2026 | $104.0M | $216.6M | 71.42% | 5.98% | 3.09% |
| Q2 2026 | $104.0M | $218.6M | 71.38% | 5.56% | 3.18% |
First National Bank of Burleson loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Burleson, 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 Burleson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23430) · FFIEC NIC profile (RSSD 240954)