The First National Bank of Trinity: 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 Construction concentration (Tier 1 capital + allowance): 3.52 percentage points lower than in Q1 2026, at 36.20%. Within Texas, The First National Bank of Trinity is 269th of 346 on loan-to-deposit ratio, 52.97% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Trinity sits 14.66 points lower, at 52.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.6M |
| Net loans and leases | $45.1M |
| Loans held for sale | $0 |
| Loans to total assets | 49.11% |
| Loan-to-deposit ratio | 52.97% |
| Net loans to equity capital | 7.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.82% |
| Multifamily (5+ residential) | 0.63% |
| Commercial and industrial | 3.75% |
| Consumer | 19.99% |
| Credit cards | 0.00% |
| Farm | 3.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 114.52% |
| Construction concentration (Tier 1 capital + allowance) | 36.20% |
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 | 7.69% |
| Interest income on loans | $863K |
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 | $43.0M | $85.3M | 30.87% | 5.43% | 21.63% |
| Q4 2023 | $43.3M | $83.8M | 29.90% | 5.14% | 21.96% |
| Q1 2024 | $43.3M | $82.4M | 30.04% | 5.21% | 20.62% |
| Q2 2024 | $43.6M | $82.9M | 30.64% | 4.90% | 20.77% |
| Q3 2024 | $43.5M | $84.9M | 30.87% | 4.70% | 20.97% |
| Q4 2024 | $42.7M | $80.5M | 29.06% | 4.29% | 21.31% |
| Q1 2025 | $44.4M | $84.7M | 28.65% | 5.07% | 20.63% |
| Q2 2025 | $44.7M | $84.4M | 28.89% | 3.61% | 21.03% |
| Q3 2025 | $44.5M | $86.3M | 28.67% | 3.29% | 20.12% |
| Q4 2025 | $46.3M | $90.5M | 25.82% | 3.96% | 19.32% |
| Q1 2026 | $44.5M | $84.1M | 23.82% | 3.95% | 20.57% |
| Q2 2026 | $45.6M | $86.0M | 24.82% | 3.75% | 19.99% |
The First National Bank of Trinity 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 Trinity, 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 Trinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5559) · FFIEC NIC profile (RSSD 479567)