First National Bank of Fort Stockton: 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 real estate (nonfarm nonresidential) dropped 6.23 percentage points in Q2 2026, from 42.14% to 35.91%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Fort Stockton ranks 267th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 54.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Fort Stockton sits 26.82 points lower, at 54.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $74.4M |
| Net loans and leases | $72.5M |
| Loans held for sale | $0 |
| Loans to total assets | 48.48% |
| Loan-to-deposit ratio | 54.01% |
| Net loans to equity capital | 4.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.91% |
| Multifamily (5+ residential) | 12.12% |
| Commercial and industrial | 26.56% |
| Consumer | 1.86% |
| Credit cards | 0.00% |
| Farm | 4.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 144.66% |
| Construction concentration (Tier 1 capital + allowance) | 30.34% |
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 | 8.52% |
| Interest income on loans | $1.7M |
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 | $83.9M | $123.0M | 49.91% | 16.47% | 1.96% |
| Q4 2023 | $88.3M | $118.8M | 45.29% | 18.86% | 2.04% |
| Q1 2024 | $88.6M | $120.6M | 49.38% | 20.67% | 1.85% |
| Q2 2024 | $85.5M | $115.0M | 48.76% | 21.86% | 1.92% |
| Q3 2024 | $85.1M | $118.1M | 49.54% | 22.20% | 1.87% |
| Q4 2024 | $81.6M | $119.9M | 49.83% | 21.09% | 1.98% |
| Q1 2025 | $82.4M | $120.7M | 47.94% | 22.76% | 1.73% |
| Q2 2025 | $79.2M | $134.2M | 48.90% | 21.45% | 1.85% |
| Q3 2025 | $81.8M | $191.1M | 44.01% | 25.30% | 1.87% |
| Q4 2025 | $79.5M | $141.2M | 46.28% | 22.57% | 1.85% |
| Q1 2026 | $79.8M | $148.1M | 42.14% | 23.28% | 1.77% |
| Q2 2026 | $74.4M | $137.7M | 35.91% | 26.56% | 1.86% |
First National Bank of Fort Stockton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Fort Stockton, 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 Fort Stockton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17913) · FFIEC NIC profile (RSSD 397456)