The First National Bank of Sterling City: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.84 percentage points higher than in Q1 2026, at 20.79%. On loan-to-deposit ratio, The First National Bank of Sterling City is 11th from the bottom among 346 Texas banks, 20.79% (Q2 2026). The First National Bank of Sterling City's loan-to-deposit ratio of 20.79% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 60.04 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.4M |
| Net loans and leases | $44.9M |
| Loans held for sale | $0 |
| Loans to total assets | 18.91% |
| Loan-to-deposit ratio | 20.79% |
| Net loans to equity capital | 2.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.46% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.64% |
| Consumer | 9.98% |
| Credit cards | 0.00% |
| Farm | 10.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.55% |
| Construction concentration (Tier 1 capital + allowance) | 6.72% |
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 | 6.77% |
| Interest income on loans | $744K |
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 | $33.0M | $218.2M | 7.05% | 7.73% | 13.40% |
| Q4 2023 | $34.3M | $226.3M | 6.75% | 8.94% | 13.38% |
| Q1 2024 | $34.2M | $237.0M | 6.84% | 7.93% | 13.18% |
| Q2 2024 | $35.0M | $213.4M | 6.97% | 9.17% | 13.11% |
| Q3 2024 | $37.6M | $211.0M | 8.25% | 10.26% | 12.42% |
| Q4 2024 | $38.8M | $214.9M | 9.39% | 11.33% | 12.22% |
| Q1 2025 | $44.2M | $212.1M | 9.18% | 15.53% | 10.53% |
| Q2 2025 | $44.0M | $210.4M | 9.76% | 15.59% | 10.41% |
| Q3 2025 | $43.8M | $221.2M | 9.78% | 16.20% | 10.16% |
| Q4 2025 | $41.1M | $223.9M | 3.52% | 16.02% | 10.98% |
| Q1 2026 | $42.6M | $237.0M | 3.34% | 16.34% | 10.81% |
| Q2 2026 | $45.4M | $218.4M | 3.46% | 18.64% | 9.98% |
The First National Bank of Sterling City 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 Sterling City, 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 Sterling City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5538) · FFIEC NIC profile (RSSD 411062)