First National Bank of Huntsville: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.30 percentage points lower than in Q1 2026, at 122.22%. Within Texas, First National Bank of Huntsville is 185th of 346 on loan-to-deposit ratio, 71.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Huntsville sits 9.82 points lower, at 71.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $356.2M |
| Net loans and leases | $349.4M |
| Loans held for sale | $0 |
| Loans to total assets | 60.91% |
| Loan-to-deposit ratio | 71.01% |
| Net loans to equity capital | 4.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.66% |
| Multifamily (5+ residential) | 4.59% |
| Commercial and industrial | 10.61% |
| Consumer | 9.46% |
| Credit cards | 0.00% |
| Farm | 2.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.22% |
| Construction concentration (Tier 1 capital + allowance) | 72.11% |
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 | 6.46% |
| Interest income on loans | $5.7M |
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 | $288.6M | $492.0M | 17.44% | 12.04% | 10.27% |
| Q4 2023 | $291.6M | $502.1M | 18.12% | 11.54% | 10.19% |
| Q1 2024 | $289.1M | $469.5M | 17.88% | 11.47% | 10.32% |
| Q2 2024 | $292.4M | $454.0M | 18.04% | 10.88% | 10.11% |
| Q3 2024 | $298.4M | $455.8M | 19.24% | 11.03% | 9.97% |
| Q4 2024 | $307.7M | $484.3M | 18.88% | 11.06% | 9.76% |
| Q1 2025 | $322.2M | $475.1M | 17.58% | 12.02% | 9.70% |
| Q2 2025 | $346.5M | $474.8M | 20.54% | 12.81% | 9.03% |
| Q3 2025 | $348.1M | $470.6M | 19.95% | 12.39% | 8.98% |
| Q4 2025 | $333.8M | $509.5M | 18.22% | 10.57% | 9.48% |
| Q1 2026 | $347.4M | $505.1M | 19.15% | 10.03% | 9.36% |
| Q2 2026 | $356.2M | $501.6M | 18.66% | 10.61% | 9.46% |
First National Bank of Huntsville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Huntsville, 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 Huntsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3269) · FFIEC NIC profile (RSSD 583352)