The First National Bank of McGregor: 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.
Construction concentration (tier 1 capital + allowance) climbed 12.38 percentage points in Q2 2026, from 70.34% to 82.72%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of McGregor ranks 89th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 85.26% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The First National Bank of McGregor sits 2.94 points lower, at 85.26% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $809.7M |
| Net loans and leases | $799.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.25% |
| Loan-to-deposit ratio | 85.26% |
| Net loans to equity capital | 8.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.05% |
| Multifamily (5+ residential) | 3.82% |
| Commercial and industrial | 11.40% |
| Consumer | 2.01% |
| Credit cards | 0.00% |
| Farm | 4.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 187.35% |
| Construction concentration (Tier 1 capital + allowance) | 82.72% |
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 | 8.24% |
| Interest income on loans | $16.5M |
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 | $615.9M | $794.9M | 36.06% | 12.30% | 2.87% |
| Q4 2023 | $631.6M | $783.7M | 35.56% | 12.46% | 2.63% |
| Q1 2024 | $650.2M | $800.1M | 35.83% | 12.20% | 2.48% |
| Q2 2024 | $696.9M | $808.3M | 36.88% | 11.91% | 2.25% |
| Q3 2024 | $715.2M | $853.6M | 36.12% | 11.84% | 2.23% |
| Q4 2024 | $744.0M | $868.1M | 36.41% | 12.32% | 2.07% |
| Q1 2025 | $754.2M | $895.2M | 36.70% | 12.22% | 1.97% |
| Q2 2025 | $754.8M | $876.8M | 37.26% | 12.31% | 2.03% |
| Q3 2025 | $757.8M | $903.9M | 36.32% | 12.06% | 1.99% |
| Q4 2025 | $786.1M | $916.1M | 36.39% | 11.64% | 1.91% |
| Q1 2026 | $800.3M | $947.2M | 36.09% | 11.72% | 2.02% |
| Q2 2026 | $809.7M | $949.6M | 35.05% | 11.40% | 2.01% |
The First National Bank of McGregor 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 McGregor, 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 McGregor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3330) · FFIEC NIC profile (RSSD 895055)