The First National Bank of Quitaque: 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.
Loan-to-deposit ratio climbed 3.06 percentage points in Q2 2026, from 35.01% to 38.06%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Quitaque is 308th of 346 on loan-to-deposit ratio, 38.06% as of Q2 2026, below the middle of the field. Against a median of 80.84% for banks in the $100M-1B asset tier, The First National Bank of Quitaque reported 38.06% on loan-to-deposit ratio in Q2 2026, 42.78 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $56.1M |
| Net loans and leases | $55.3M |
| Loans held for sale | $0 |
| Loans to total assets | 33.58% |
| Loan-to-deposit ratio | 38.06% |
| Net loans to equity capital | 3.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.19% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.75% |
| Consumer | 10.91% |
| Credit cards | 0.00% |
| Farm | 19.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.48% |
| Construction concentration (Tier 1 capital + allowance) | 3.48% |
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 | 8.14% |
| Interest income on loans | $1.1M |
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 | $54.0M | $117.3M | 1.88% | 5.50% | 11.69% |
| Q4 2023 | $52.7M | $122.1M | 1.66% | 6.10% | 12.18% |
| Q1 2024 | $50.0M | $127.1M | 1.73% | 6.64% | 13.10% |
| Q2 2024 | $57.8M | $122.0M | 1.48% | 9.21% | 12.04% |
| Q3 2024 | $63.9M | $121.7M | 1.42% | 7.27% | 11.03% |
| Q4 2024 | $62.9M | $125.4M | 1.17% | 7.45% | 11.41% |
| Q1 2025 | $61.3M | $128.0M | 0.64% | 12.54% | 11.69% |
| Q2 2025 | $58.1M | $132.5M | 0.63% | 12.76% | 12.38% |
| Q3 2025 | $61.6M | $133.6M | 0.39% | 12.55% | 11.36% |
| Q4 2025 | $62.2M | $138.0M | 0.40% | 12.84% | 11.51% |
| Q1 2026 | $52.1M | $148.9M | 0.56% | 9.76% | 12.74% |
| Q2 2026 | $56.1M | $147.4M | 1.19% | 8.75% | 10.91% |
The First National Bank of Quitaque 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 Quitaque, 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 Quitaque profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3401) · FFIEC NIC profile (RSSD 644963)