The First National Bank of Hughes Springs: 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) dropped 1.05 percentage points in Q2 2026, from 70.12% to 69.08%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Hughes Springs is 169th of 346 on loan-to-deposit ratio, 73.61% 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 Hughes Springs sits 7.22 points lower, at 73.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $208.4M |
| Net loans and leases | $205.6M |
| Loans held for sale | $0 |
| Loans to total assets | 65.23% |
| Loan-to-deposit ratio | 73.61% |
| Net loans to equity capital | 5.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.02% |
| Multifamily (5+ residential) | 4.69% |
| Commercial and industrial | 13.56% |
| Consumer | 6.28% |
| Credit cards | 0.00% |
| Farm | 12.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.08% |
| Construction concentration (Tier 1 capital + allowance) | 21.15% |
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 | 7.80% |
| Interest income on loans | $4.1M |
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 | $213.2M | $279.2M | 19.64% | 17.95% | 8.85% |
| Q4 2023 | $221.1M | $286.8M | 18.41% | 17.43% | 8.60% |
| Q1 2024 | $223.8M | $289.5M | 16.49% | 17.46% | 8.34% |
| Q2 2024 | $226.1M | $273.5M | 18.93% | 17.14% | 7.94% |
| Q3 2024 | $230.5M | $263.5M | 17.47% | 16.53% | 7.61% |
| Q4 2024 | $226.7M | $271.7M | 15.58% | 15.81% | 7.44% |
| Q1 2025 | $232.8M | $284.3M | 15.15% | 14.67% | 6.99% |
| Q2 2025 | $225.0M | $284.6M | 15.16% | 14.73% | 6.92% |
| Q3 2025 | $221.2M | $276.2M | 16.97% | 13.43% | 6.54% |
| Q4 2025 | $219.2M | $284.2M | 16.86% | 12.47% | 6.22% |
| Q1 2026 | $208.8M | $287.0M | 17.24% | 13.29% | 6.31% |
| Q2 2026 | $208.4M | $283.1M | 17.02% | 13.56% | 6.28% |
The First National Bank of Hughes Springs 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 Hughes Springs, 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 Hughes Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3268) · FFIEC NIC profile (RSSD 849357)