The First National Bank of Winnsboro: 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) dropped 8.49 percentage points in Q2 2026, from 134.80% to 126.30%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Winnsboro is 105th of 346 on loan-to-deposit ratio, 83.66% as of Q2 2026, above the middle of the field. The First National Bank of Winnsboro reported 83.66% on loan-to-deposit ratio for Q2 2026, 2.72 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $101.6M |
| Net loans and leases | $100.3M |
| Loans held for sale | $0 |
| Loans to total assets | 64.21% |
| Loan-to-deposit ratio | 83.66% |
| Net loans to equity capital | 2.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.60% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.13% |
| Consumer | 2.77% |
| Credit cards | 0.00% |
| Farm | 3.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 126.30% |
| Construction concentration (Tier 1 capital + allowance) | 31.06% |
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 | 7.66% |
| Interest income on loans | $1.9M |
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 | $100.5M | $124.8M | 35.66% | 7.81% | 3.98% |
| Q4 2023 | $100.4M | $114.9M | 34.85% | 7.87% | 4.01% |
| Q1 2024 | $95.5M | $118.3M | 35.20% | 6.82% | 3.80% |
| Q2 2024 | $94.4M | $116.2M | 38.19% | 7.22% | 3.63% |
| Q3 2024 | $97.5M | $118.7M | 42.01% | 7.56% | 3.36% |
| Q4 2024 | $99.8M | $115.9M | 41.75% | 8.63% | 3.15% |
| Q1 2025 | $98.0M | $123.0M | 43.32% | 6.81% | 3.18% |
| Q2 2025 | $97.1M | $122.4M | 43.12% | 7.08% | 3.07% |
| Q3 2025 | $96.9M | $121.0M | 43.52% | 9.05% | 3.13% |
| Q4 2025 | $92.0M | $120.2M | 41.98% | 9.51% | 3.16% |
| Q1 2026 | $97.9M | $120.8M | 47.89% | 7.54% | 3.05% |
| Q2 2026 | $101.6M | $121.4M | 45.60% | 8.13% | 2.77% |
The First National Bank of Winnsboro 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 Winnsboro, 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 Winnsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5590) · FFIEC NIC profile (RSSD 501767)