First National Bank of Central Texas: 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 15.69 percentage points in Q2 2026, from 215.25% to 230.95%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First National Bank of Central Texas is 60th of 346 on loan-to-deposit ratio, 88.86% as of Q2 2026, above the middle of the field. At 88.86%, First National Bank of Central Texas's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.38B |
| Net loans and leases | $1.36B |
| Loans held for sale | $0 |
| Loans to total assets | 77.68% |
| Loan-to-deposit ratio | 88.86% |
| Net loans to equity capital | 7.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.75% |
| Multifamily (5+ residential) | 3.13% |
| Commercial and industrial | 11.43% |
| Consumer | 0.98% |
| Credit cards | 0.00% |
| Farm | 5.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 230.95% |
| Construction concentration (Tier 1 capital + allowance) | 70.47% |
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 | 6.33% |
| Interest income on loans | $21.6M |
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 | $1.14B | $1.25B | 35.61% | 11.41% | 1.20% |
| Q4 2023 | $1.17B | $1.28B | 34.59% | 12.37% | 1.13% |
| Q1 2024 | $1.16B | $1.29B | 35.21% | 10.82% | 1.13% |
| Q2 2024 | $1.17B | $1.32B | 34.16% | 9.46% | 1.14% |
| Q3 2024 | $1.14B | $1.38B | 35.48% | 9.26% | 1.25% |
| Q4 2024 | $1.19B | $1.36B | 35.10% | 10.07% | 1.18% |
| Q1 2025 | $1.22B | $1.34B | 35.74% | 9.44% | 1.18% |
| Q2 2025 | $1.22B | $1.37B | 35.58% | 10.42% | 1.21% |
| Q3 2025 | $1.24B | $1.40B | 34.33% | 10.12% | 1.26% |
| Q4 2025 | $1.30B | $1.40B | 33.99% | 11.48% | 1.14% |
| Q1 2026 | $1.34B | $1.48B | 33.43% | 11.68% | 1.05% |
| Q2 2026 | $1.38B | $1.55B | 33.75% | 11.43% | 0.98% |
First National Bank of Central Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Central Texas, 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 Central Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3325) · FFIEC NIC profile (RSSD 369659)