First State Bank and Trust Company: 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) rose 0.64 percentage points from Q1 2026 to Q2 2026, ending at 11.45% against 10.81%. It was the largest change among the key lines on this page. First State Bank and Trust Company ranks 309th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 36.79% (Q2 2026). First State Bank and Trust Company's loan-to-deposit ratio of 36.79% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 44.05 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $180.5M |
| Net loans and leases | $179.0M |
| Loans held for sale | $0 |
| Loans to total assets | 32.97% |
| Loan-to-deposit ratio | 36.79% |
| Net loans to equity capital | 3.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.53% |
| Multifamily (5+ residential) | 1.02% |
| Commercial and industrial | 3.96% |
| Consumer | 13.73% |
| Credit cards | 0.00% |
| Farm | 6.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.45% |
| Construction concentration (Tier 1 capital + allowance) | 5.78% |
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 | $3.2M |
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 | $180.5M | $491.1M | 10.48% | 4.74% | 15.20% |
| Q4 2023 | $183.5M | $492.9M | 11.28% | 4.68% | 15.18% |
| Q1 2024 | $184.2M | $505.4M | 11.53% | 4.91% | 14.91% |
| Q2 2024 | $184.5M | $466.5M | 11.59% | 5.15% | 14.66% |
| Q3 2024 | $182.0M | $452.9M | 10.91% | 4.94% | 14.82% |
| Q4 2024 | $181.5M | $454.7M | 10.99% | 4.73% | 14.42% |
| Q1 2025 | $182.2M | $454.6M | 10.87% | 4.84% | 14.44% |
| Q2 2025 | $182.7M | $443.4M | 10.49% | 4.51% | 14.51% |
| Q3 2025 | $183.8M | $456.2M | 10.21% | 4.47% | 13.92% |
| Q4 2025 | $181.2M | $483.4M | 9.64% | 4.30% | 14.49% |
| Q1 2026 | $180.6M | $495.3M | 9.58% | 4.17% | 14.31% |
| Q2 2026 | $180.5M | $490.6M | 9.53% | 3.96% | 13.73% |
First State Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11559) · FFIEC NIC profile (RSSD 1012251)