The First National Bank of Mertzon: 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.
Farm climbed 11.18 percentage points in Q2 2026, from 10.51% to 21.70%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Mertzon is 12th from the bottom among 346 Texas banks, 21.68% (Q2 2026). The First National Bank of Mertzon's loan-to-deposit ratio of 21.68% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 59.16 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $91.1M |
| Net loans and leases | $89.5M |
| Loans held for sale | $0 |
| Loans to total assets | 18.21% |
| Loan-to-deposit ratio | 21.68% |
| Net loans to equity capital | 1.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.57% |
| Multifamily (5+ residential) | 0.28% |
| Commercial and industrial | 17.80% |
| Consumer | 3.72% |
| Credit cards | 0.55% |
| Farm | 21.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.89% |
| Construction concentration (Tier 1 capital + allowance) | 11.00% |
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 | 6.41% |
| Interest income on loans | $1.3M |
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 | $82.4M | $445.9M | 34.37% | 30.82% | 4.72% |
| Q4 2023 | $89.0M | $452.6M | 37.94% | 30.69% | 4.28% |
| Q1 2024 | $85.1M | $445.8M | 36.17% | 30.75% | 4.47% |
| Q2 2024 | $78.3M | $443.7M | 31.99% | 33.57% | 3.95% |
| Q3 2024 | $72.8M | $457.2M | 33.80% | 27.46% | 4.42% |
| Q4 2024 | $70.9M | $467.1M | 33.78% | 26.44% | 4.78% |
| Q1 2025 | $69.5M | $484.6M | 32.98% | 24.28% | 6.98% |
| Q2 2025 | $74.2M | $467.7M | 35.68% | 21.91% | 5.24% |
| Q3 2025 | $75.3M | $473.9M | 33.29% | 22.82% | 4.86% |
| Q4 2025 | $74.7M | $411.4M | 33.23% | 22.37% | 4.89% |
| Q1 2026 | $80.6M | $426.7M | 37.27% | 19.54% | 4.09% |
| Q2 2026 | $91.1M | $420.2M | 33.57% | 17.80% | 3.72% |
The First National Bank of Mertzon 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 Mertzon, 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 Mertzon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3339) · FFIEC NIC profile (RSSD 500256)