The First National Bank of Tom Bean: 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 15.00 percentage points in Q2 2026, from 29.40% to 44.40%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, The First National Bank of Tom Bean sits 33rd from the top on loan-to-deposit ratio, 94.85% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Tom Bean sits 14.02 points higher, at 94.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.7M |
| Net loans and leases | $126.5M |
| Loans held for sale | $0 |
| Loans to total assets | 82.74% |
| Loan-to-deposit ratio | 94.85% |
| Net loans to equity capital | 6.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.95% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.04% |
| Consumer | 10.57% |
| Credit cards | 0.00% |
| Farm | 15.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.40% |
| Construction concentration (Tier 1 capital + allowance) | 29.07% |
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 | 8.15% |
| Interest income on loans | $2.6M |
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 | $106.3M | $121.5M | 7.90% | 15.02% | 11.92% |
| Q4 2023 | $108.8M | $118.1M | 6.41% | 16.15% | 11.58% |
| Q1 2024 | $109.8M | $124.4M | 7.17% | 15.41% | 11.33% |
| Q2 2024 | $107.2M | $125.1M | 7.56% | 15.16% | 11.66% |
| Q3 2024 | $106.4M | $129.1M | 7.32% | 14.77% | 12.10% |
| Q4 2024 | $105.7M | $125.8M | 7.37% | 15.16% | 11.75% |
| Q1 2025 | $112.6M | $124.6M | 5.19% | 14.39% | 11.15% |
| Q2 2025 | $114.8M | $125.6M | 4.84% | 14.60% | 11.18% |
| Q3 2025 | $117.7M | $132.0M | 5.47% | 15.00% | 11.10% |
| Q4 2025 | $120.0M | $130.7M | 5.17% | 14.45% | 11.17% |
| Q1 2026 | $120.3M | $127.9M | 5.72% | 14.17% | 11.38% |
| Q2 2026 | $128.7M | $135.7M | 5.95% | 14.04% | 10.57% |
The First National Bank of Tom Bean 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 Tom Bean, 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 Tom Bean profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5557) · FFIEC NIC profile (RSSD 193162)