The First National Bank of Evant: 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 2.13 percentage points in Q2 2026, from 50.23% to 52.35%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Evant is 167th of 346 on loan-to-deposit ratio, 73.89% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Evant sits 6.95 points lower, at 73.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $133.3M |
| Net loans and leases | $131.9M |
| Loans held for sale | $0 |
| Loans to total assets | 66.83% |
| Loan-to-deposit ratio | 73.89% |
| Net loans to equity capital | 7.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.93% |
| Multifamily (5+ residential) | 1.44% |
| Commercial and industrial | 10.18% |
| Consumer | 10.85% |
| Credit cards | 0.00% |
| Farm | 8.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.35% |
| Construction concentration (Tier 1 capital + allowance) | 21.93% |
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 | 7.17% |
| Interest income on loans | $2.4M |
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 | $101.1M | $140.0M | 6.10% | 11.71% | 12.85% |
| Q4 2023 | $104.4M | $145.0M | 5.84% | 10.79% | 13.18% |
| Q1 2024 | $107.9M | $149.7M | 6.70% | 10.66% | 13.08% |
| Q2 2024 | $109.4M | $156.0M | 6.68% | 10.05% | 13.53% |
| Q3 2024 | $111.8M | $161.4M | 6.83% | 9.94% | 13.48% |
| Q4 2024 | $114.8M | $163.6M | 7.32% | 10.33% | 13.33% |
| Q1 2025 | $118.7M | $165.4M | 7.08% | 10.08% | 12.49% |
| Q2 2025 | $121.9M | $163.6M | 6.91% | 11.07% | 12.50% |
| Q3 2025 | $122.7M | $165.5M | 6.85% | 10.42% | 11.92% |
| Q4 2025 | $124.4M | $169.4M | 7.34% | 10.21% | 11.42% |
| Q1 2026 | $128.2M | $173.6M | 7.50% | 10.23% | 11.22% |
| Q2 2026 | $133.3M | $180.4M | 7.93% | 10.18% | 10.85% |
The First National Bank of Evant 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 Evant, 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 Evant profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3190) · FFIEC NIC profile (RSSD 379153)