First State 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.
CRE concentration (Tier 1 capital + allowance) dropped 36.14 percentage points in Q2 2026, from 110.13% to 73.99%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank is 157th of 346 on loan-to-deposit ratio, 75.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First State Bank sits 5.40 points lower, at 75.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $245.3M |
| Net loans and leases | $243.9M |
| Loans held for sale | $0 |
| Loans to total assets | 65.96% |
| Loan-to-deposit ratio | 75.16% |
| Net loans to equity capital | 5.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.62% |
| Multifamily (5+ residential) | 0.52% |
| Commercial and industrial | 10.55% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 20.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 11.74% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.99% |
| Construction concentration (Tier 1 capital + allowance) | 6.55% |
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 | 7.14% |
| Interest income on loans | $4.2M |
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 | $160.9M | $303.1M | 20.79% | 12.32% | 2.37% |
| Q4 2023 | $157.9M | $323.8M | 19.95% | 10.95% | 2.42% |
| Q1 2024 | $165.6M | $314.5M | 21.09% | 11.16% | 2.33% |
| Q2 2024 | $172.5M | $302.3M | 23.74% | 9.82% | 2.24% |
| Q3 2024 | $190.6M | $286.7M | 21.17% | 12.80% | 2.08% |
| Q4 2024 | $208.0M | $299.8M | 19.32% | 11.46% | 1.88% |
| Q1 2025 | $206.7M | $308.1M | 19.19% | 10.62% | 1.84% |
| Q2 2025 | $185.8M | $308.5M | 20.95% | 12.63% | 1.89% |
| Q3 2025 | $218.9M | $308.7M | 20.25% | 11.04% | 1.63% |
| Q4 2025 | $218.9M | $325.2M | 25.55% | 8.63% | 1.48% |
| Q1 2026 | $240.1M | $342.0M | 23.43% | 9.91% | 1.22% |
| Q2 2026 | $245.3M | $326.4M | 16.62% | 10.55% | 1.16% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16695) · FFIEC NIC profile (RSSD 410560)