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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.51 percentage points higher than in Q1 2026, at 39.56%. First State Bank ranks 304th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 39.56% (Q2 2026). First State Bank's loan-to-deposit ratio of 39.56% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 40.99 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $58.6M |
| Net loans and leases | $57.4M |
| Loans held for sale | $0 |
| Loans to total assets | 33.60% |
| Loan-to-deposit ratio | 39.56% |
| Net loans to equity capital | 2.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.98% |
| Multifamily (5+ residential) | 1.09% |
| Commercial and industrial | 15.12% |
| Consumer | 9.74% |
| Credit cards | 0.00% |
| Farm | 18.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.38% |
| Construction concentration (Tier 1 capital + allowance) | 6.23% |
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 | 8.46% |
| Interest income on loans | $1.1M |
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 | $49.9M | $132.9M | 8.51% | 13.88% | 9.86% |
| Q4 2023 | $50.7M | $135.6M | 8.64% | 13.79% | 9.81% |
| Q1 2024 | $53.2M | $130.6M | 8.94% | 13.64% | 9.30% |
| Q2 2024 | $55.8M | $122.7M | 8.92% | 13.88% | 8.83% |
| Q3 2024 | $58.5M | $128.3M | 8.11% | 13.45% | 8.29% |
| Q4 2024 | $57.8M | $135.4M | 8.76% | 14.35% | 8.84% |
| Q1 2025 | $59.3M | $143.3M | 9.28% | 14.42% | 8.41% |
| Q2 2025 | $57.5M | $136.6M | 9.39% | 15.21% | 8.62% |
| Q3 2025 | $58.2M | $143.0M | 10.05% | 14.39% | 8.73% |
| Q4 2025 | $60.0M | $148.2M | 10.06% | 14.55% | 8.43% |
| Q1 2026 | $58.8M | $158.7M | 10.00% | 15.52% | 8.77% |
| Q2 2026 | $58.6M | $148.1M | 8.98% | 15.12% | 9.74% |
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 17775) · FFIEC NIC profile (RSSD 719964)