The First National Bank of East 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.
Commercial and industrial dropped 2.92 percentage points in Q2 2026, from 16.32% to 13.40%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of East Texas is 145th of 346 on loan-to-deposit ratio, 77.52% as of Q2 2026, above the middle of the field. The First National Bank of East Texas reported 77.52% on loan-to-deposit ratio for Q2 2026, 3.42 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $416.0M |
| Net loans and leases | $410.4M |
| Loans held for sale | $0 |
| Loans to total assets | 69.95% |
| Loan-to-deposit ratio | 77.52% |
| Net loans to equity capital | 7.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.46% |
| Multifamily (5+ residential) | 0.84% |
| Commercial and industrial | 13.40% |
| Consumer | 4.44% |
| Credit cards | 0.00% |
| Farm | 2.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 215.94% |
| Construction concentration (Tier 1 capital + allowance) | 75.83% |
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 | 7.24% |
| Interest income on loans | $7.8M |
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 | $375.8M | $480.8M | 26.57% | 19.15% | 5.13% |
| Q4 2023 | $381.9M | $464.2M | 25.02% | 18.55% | 4.92% |
| Q1 2024 | $393.4M | $487.8M | 23.99% | 18.55% | 4.62% |
| Q2 2024 | $391.0M | $488.7M | 24.40% | 18.76% | 4.43% |
| Q3 2024 | $401.5M | $504.0M | 25.34% | 18.35% | 4.33% |
| Q4 2024 | $402.7M | $508.3M | 25.72% | 18.17% | 4.07% |
| Q1 2025 | $408.3M | $525.6M | 28.15% | 17.80% | 3.91% |
| Q2 2025 | $405.4M | $533.1M | 30.10% | 17.27% | 3.90% |
| Q3 2025 | $407.8M | $540.3M | 30.09% | 17.33% | 3.73% |
| Q4 2025 | $418.7M | $556.5M | 30.69% | 17.14% | 3.60% |
| Q1 2026 | $421.9M | $546.0M | 30.27% | 16.32% | 4.20% |
| Q2 2026 | $416.0M | $536.7M | 31.46% | 13.40% | 4.44% |
The First National Bank of East Texas 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 East 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 The First National Bank of East Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3218) · FFIEC NIC profile (RSSD 445955)