The First National Bank of Sonora: 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) climbed 7.76 percentage points in Q2 2026, from 320.34% to 328.09%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Sonora ranks 104th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 83.67% (Q2 2026). The First National Bank of Sonora reported 83.67% on loan-to-deposit ratio for Q2 2026, 2.83 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $536.0M |
| Net loans and leases | $531.2M |
| Loans held for sale | $0 |
| Loans to total assets | 74.25% |
| Loan-to-deposit ratio | 83.67% |
| Net loans to equity capital | 10.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.49% |
| Multifamily (5+ residential) | 3.38% |
| Commercial and industrial | 9.82% |
| Consumer | 3.07% |
| Credit cards | 0.00% |
| Farm | 5.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 328.09% |
| Construction concentration (Tier 1 capital + allowance) | 112.68% |
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 | 7.38% |
| Interest income on loans | $9.6M |
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 | $385.5M | $516.2M | 28.08% | 8.96% | 4.60% |
| Q4 2023 | $395.4M | $516.7M | 29.27% | 9.93% | 4.34% |
| Q1 2024 | $406.3M | $536.9M | 28.12% | 10.38% | 4.57% |
| Q2 2024 | $415.1M | $528.3M | 30.04% | 9.94% | 4.53% |
| Q3 2024 | $420.4M | $541.1M | 31.32% | 9.06% | 4.26% |
| Q4 2024 | $427.7M | $557.8M | 31.94% | 8.83% | 4.13% |
| Q1 2025 | $428.9M | $625.3M | 31.44% | 9.90% | 3.79% |
| Q2 2025 | $435.7M | $635.8M | 32.84% | 11.36% | 3.44% |
| Q3 2025 | $445.7M | $627.6M | 34.78% | 10.82% | 3.38% |
| Q4 2025 | $464.6M | $622.1M | 34.46% | 10.00% | 3.44% |
| Q1 2026 | $512.5M | $623.7M | 34.22% | 9.30% | 3.19% |
| Q2 2026 | $536.0M | $640.7M | 34.49% | 9.82% | 3.07% |
The First National Bank of Sonora 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 Sonora, 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 Sonora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5531) · FFIEC NIC profile (RSSD 591366)