The First National Bank of Granbury: 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 4.51 percentage points in Q2 2026, from 158.37% to 162.89%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Granbury ranks 226th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 63.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The First National Bank of Granbury sits 17.34 points lower, at 63.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $531.3M |
| Net loans and leases | $524.8M |
| Loans held for sale | $242K |
| Loans to total assets | 56.14% |
| Loan-to-deposit ratio | 63.60% |
| Net loans to equity capital | 4.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.13% |
| Multifamily (5+ residential) | 3.35% |
| Commercial and industrial | 6.19% |
| Consumer | 2.71% |
| Credit cards | 0.00% |
| Farm | 6.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.89% |
| Construction concentration (Tier 1 capital + allowance) | 74.94% |
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 | 7.16% |
| Interest income on loans | $9.2M |
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 | $451.1M | $806.6M | 17.81% | 6.60% | 5.25% |
| Q4 2023 | $451.1M | $835.5M | 17.41% | 6.28% | 4.96% |
| Q1 2024 | $459.4M | $820.6M | 16.71% | 6.37% | 4.63% |
| Q2 2024 | $463.9M | $798.6M | 17.64% | 7.25% | 4.41% |
| Q3 2024 | $478.0M | $807.1M | 19.86% | 7.89% | 4.00% |
| Q4 2024 | $484.0M | $844.2M | 19.70% | 7.83% | 3.81% |
| Q1 2025 | $485.8M | $840.4M | 19.94% | 8.12% | 3.62% |
| Q2 2025 | $500.1M | $832.4M | 19.50% | 8.04% | 3.33% |
| Q3 2025 | $504.1M | $825.4M | 20.27% | 6.77% | 3.24% |
| Q4 2025 | $502.8M | $888.8M | 19.23% | 6.92% | 3.11% |
| Q1 2026 | $505.9M | $837.2M | 20.78% | 6.75% | 3.03% |
| Q2 2026 | $531.3M | $835.3M | 22.13% | 6.19% | 2.71% |
The First National Bank of Granbury 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 Granbury, 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 Granbury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3228) · FFIEC NIC profile (RSSD 329952)