First National Bank Texas dba First Convenience Bank: 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 CRE concentration (Tier 1 capital + allowance): 12.89 percentage points lower than in Q1 2026, at 205.39%. Within Texas, First National Bank Texas dba First Convenience Bank is 261st of 346 on loan-to-deposit ratio, 55.85% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First National Bank Texas dba First Convenience Bank sits 32.35 points lower, at 55.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.29B |
| Net loans and leases | $2.26B |
| Loans held for sale | $25.7M |
| Loans to total assets | 49.30% |
| Loan-to-deposit ratio | 55.85% |
| Net loans to equity capital | 7.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.17% |
| Multifamily (5+ residential) | 8.70% |
| Commercial and industrial | 1.44% |
| Consumer | 12.97% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.39% |
| Construction concentration (Tier 1 capital + allowance) | 51.89% |
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 | 6.10% |
| Interest income on loans | $34.5M |
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 | $1.87B | $3.48B | 24.42% | 1.06% | 21.30% |
| Q4 2023 | $1.90B | $3.49B | 25.13% | 0.99% | 19.81% |
| Q1 2024 | $1.87B | $3.71B | 26.44% | 1.02% | 17.38% |
| Q2 2024 | $1.91B | $3.69B | 25.82% | 0.98% | 16.71% |
| Q3 2024 | $1.97B | $3.62B | 26.74% | 1.04% | 16.12% |
| Q4 2024 | $2.06B | $3.61B | 28.10% | 1.05% | 15.60% |
| Q1 2025 | $2.08B | $3.91B | 28.68% | 1.25% | 14.86% |
| Q2 2025 | $2.14B | $3.82B | 29.45% | 1.35% | 14.49% |
| Q3 2025 | $2.19B | $3.81B | 29.53% | 1.31% | 13.95% |
| Q4 2025 | $2.21B | $3.99B | 29.11% | 1.19% | 13.47% |
| Q1 2026 | $2.26B | $4.14B | 28.66% | 1.08% | 12.94% |
| Q2 2026 | $2.29B | $4.10B | 29.17% | 1.44% | 12.97% |
First National Bank Texas dba First Convenience Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank Texas dba First Convenience Bank, 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 First National Bank Texas dba First Convenience Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3285) · FFIEC NIC profile (RSSD 613950)