First Southwest 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): 2.91 percentage points higher than in Q1 2026, at 121.31%. First Southwest Bank ranks 45th of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 69.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Southwest Bank sits 11.30 points lower, at 69.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $341.9M |
| Net loans and leases | $337.4M |
| Loans held for sale | $0 |
| Loans to total assets | 52.00% |
| Loan-to-deposit ratio | 69.54% |
| Net loans to equity capital | 3.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.36% |
| Multifamily (5+ residential) | 2.69% |
| Commercial and industrial | 9.91% |
| Consumer | 2.26% |
| Credit cards | 0.00% |
| Farm | 16.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.31% |
| Construction concentration (Tier 1 capital + allowance) | 34.65% |
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 | 6.26% |
| Interest income on loans | $5.3M |
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 | $268.3M | $356.3M | 47.94% | 10.58% | 2.72% |
| Q4 2023 | $285.1M | $380.1M | 46.31% | 9.73% | 2.66% |
| Q1 2024 | $277.0M | $369.0M | 46.26% | 9.60% | 2.83% |
| Q2 2024 | $282.0M | $363.0M | 43.13% | 9.26% | 2.82% |
| Q3 2024 | $289.7M | $362.9M | 42.11% | 8.50% | 2.75% |
| Q4 2024 | $302.8M | $396.8M | 40.08% | 7.86% | 2.52% |
| Q1 2025 | $303.2M | $430.7M | 38.92% | 7.29% | 2.57% |
| Q2 2025 | $314.6M | $459.3M | 37.98% | 8.49% | 2.46% |
| Q3 2025 | $319.6M | $481.7M | 39.69% | 7.51% | 2.55% |
| Q4 2025 | $334.1M | $497.0M | 36.50% | 8.54% | 2.43% |
| Q1 2026 | $338.0M | $485.0M | 35.97% | 10.18% | 2.37% |
| Q2 2026 | $341.9M | $491.7M | 36.36% | 9.91% | 2.26% |
First Southwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southwest 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 Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57741) · FFIEC NIC profile (RSSD 3224302)