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) climbed 8.16 percentage points in Q2 2026, from 163.11% to 171.27%. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 253rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 57.55% (Q2 2026). First State Bank reported 57.55% on loan-to-deposit ratio for Q2 2026, 30.65 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $955.7M |
| Net loans and leases | $942.7M |
| Loans held for sale | $3.9M |
| Loans to total assets | 51.62% |
| Loan-to-deposit ratio | 57.55% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.23% |
| Multifamily (5+ residential) | 1.09% |
| Commercial and industrial | 11.56% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 7.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.27% |
| Construction concentration (Tier 1 capital + allowance) | 63.61% |
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 | — |
| Interest income on loans | $16.8M |
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 | $839.5M | $1.54B | 39.72% | 10.35% | 2.08% |
| Q4 2023 | $871.9M | $1.55B | 42.26% | 11.52% | 1.92% |
| Q1 2024 | $885.2M | $1.58B | 42.74% | 12.64% | 2.51% |
| Q2 2024 | $885.2M | $1.53B | 42.10% | 12.34% | 2.67% |
| Q3 2024 | $887.3M | $1.55B | 44.54% | 12.09% | 2.85% |
| Q4 2024 | $931.1M | $1.65B | 42.80% | 12.67% | 2.76% |
| Q1 2025 | $929.5M | $1.65B | 42.82% | 13.11% | 2.82% |
| Q2 2025 | $949.0M | $1.64B | 41.15% | 13.58% | 2.62% |
| Q3 2025 | $986.6M | $1.65B | 39.33% | 13.87% | 2.33% |
| Q4 2025 | $997.7M | $1.63B | 42.09% | 12.15% | 2.12% |
| Q1 2026 | $966.2M | $1.63B | 44.98% | 12.41% | 1.99% |
| Q2 2026 | $955.7M | $1.66B | 46.23% | 11.56% | 1.92% |
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 15511) · FFIEC NIC profile (RSSD 435750)