First National Bank of Dublin: 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.
Farm dropped 1.52 percentage points in Q2 2026, from 30.32% to 28.80%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Dublin ranks 114th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 82.62% (Q2 2026). At 82.62%, First National Bank of Dublin's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.5M |
| Net loans and leases | $94.7M |
| Loans held for sale | $0 |
| Loans to total assets | 71.92% |
| Loan-to-deposit ratio | 82.62% |
| Net loans to equity capital | 5.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.69% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.91% |
| Consumer | 11.07% |
| Credit cards | 0.00% |
| Farm | 28.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.91% |
| Construction concentration (Tier 1 capital + allowance) | 2.06% |
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 | 7.53% |
| Interest income on loans | $1.8M |
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 | $84.2M | $117.7M | 8.00% | 17.46% | 14.49% |
| Q4 2023 | $85.8M | $119.7M | 7.89% | 16.24% | 14.06% |
| Q1 2024 | $86.6M | $113.4M | 8.17% | 15.88% | 14.35% |
| Q2 2024 | $85.9M | $112.9M | 8.39% | 16.66% | 13.80% |
| Q3 2024 | $88.2M | $112.9M | 8.80% | 16.26% | 13.33% |
| Q4 2024 | $89.5M | $116.9M | 8.13% | 15.01% | 12.75% |
| Q1 2025 | $88.2M | $120.2M | 8.13% | 14.40% | 12.63% |
| Q2 2025 | $90.2M | $116.4M | 8.19% | 14.70% | 12.41% |
| Q3 2025 | $92.0M | $120.7M | 8.34% | 14.29% | 12.09% |
| Q4 2025 | $94.4M | $116.8M | 8.23% | 14.70% | 11.34% |
| Q1 2026 | $95.7M | $116.5M | 8.67% | 14.86% | 10.93% |
| Q2 2026 | $96.5M | $116.9M | 8.69% | 14.91% | 11.07% |
First National Bank of Dublin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Dublin, 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 Dublin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26228) · FFIEC NIC profile (RSSD 648550)