First National Bank of Lake Jackson: 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 2.57 percentage points in Q2 2026, from 108.94% to 106.37%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First National Bank of Lake Jackson is 14th from the bottom among 346 Texas banks, 23.65% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, First National Bank of Lake Jackson reported 23.65% on loan-to-deposit ratio in Q2 2026, 57.19 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $49.9M |
| Net loans and leases | $49.4M |
| Loans held for sale | $0 |
| Loans to total assets | 22.86% |
| Loan-to-deposit ratio | 23.65% |
| Net loans to equity capital | 7.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.42% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.96% |
| Consumer | 2.08% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 106.37% |
| Construction concentration (Tier 1 capital + allowance) | 53.32% |
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 | — |
| Interest income on loans | $854K |
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 | $29.6M | $182.4M | 42.42% | 20.48% | 3.31% |
| Q4 2023 | $28.3M | $203.5M | 45.61% | 19.74% | 3.61% |
| Q1 2024 | $28.7M | $192.2M | 48.25% | 15.89% | 4.09% |
| Q2 2024 | $30.4M | $207.4M | 45.74% | 15.38% | 5.17% |
| Q3 2024 | $31.5M | $188.3M | 44.00% | 17.00% | 4.63% |
| Q4 2024 | $33.4M | $214.0M | 55.64% | 7.27% | 2.61% |
| Q1 2025 | $36.3M | $204.7M | 46.06% | 15.31% | 2.45% |
| Q2 2025 | $45.6M | $223.4M | 49.19% | 20.06% | 2.19% |
| Q3 2025 | $45.3M | $185.5M | 57.56% | 19.98% | 1.88% |
| Q4 2025 | $50.5M | $203.7M | 51.49% | 17.42% | 1.73% |
| Q1 2026 | $50.9M | $203.7M | 50.45% | 17.79% | 1.75% |
| Q2 2026 | $49.9M | $211.1M | 50.42% | 17.96% | 2.08% |
First National Bank of Lake Jackson loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Lake Jackson, 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 Lake Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18895) · FFIEC NIC profile (RSSD 560353)