First State Bank of Bedias: 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 2.69 percentage points in Q2 2026, from 40.75% to 38.07%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Bedias ranks 203rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 67.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Bedias sits 13.33 points lower, at 67.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $124.7M |
| Net loans and leases | $122.9M |
| Loans held for sale | $0 |
| Loans to total assets | 55.46% |
| Loan-to-deposit ratio | 67.51% |
| Net loans to equity capital | 3.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.84% |
| Multifamily (5+ residential) | 0.37% |
| Commercial and industrial | 21.25% |
| Consumer | 7.89% |
| Credit cards | 0.00% |
| Farm | 9.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.07% |
| Construction concentration (Tier 1 capital + allowance) | 34.79% |
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 | 7.83% |
| Interest income on loans | $2.4M |
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 | $119.6M | $171.0M | 15.43% | 17.07% | 7.17% |
| Q4 2023 | $120.3M | $167.0M | 15.76% | 17.84% | 7.00% |
| Q1 2024 | $121.8M | $161.2M | 15.42% | 17.50% | 7.38% |
| Q2 2024 | $125.2M | $162.6M | 15.35% | 16.89% | 8.04% |
| Q3 2024 | $124.0M | $166.1M | 14.75% | 17.58% | 8.40% |
| Q4 2024 | $122.6M | $164.9M | 14.74% | 17.69% | 8.85% |
| Q1 2025 | $118.7M | $171.9M | 14.15% | 17.87% | 8.94% |
| Q2 2025 | $126.1M | $171.8M | 14.13% | 19.69% | 8.11% |
| Q3 2025 | $126.6M | $175.5M | 13.62% | 20.11% | 8.14% |
| Q4 2025 | $127.0M | $173.4M | 13.06% | 21.52% | 7.78% |
| Q1 2026 | $123.1M | $181.5M | 14.42% | 21.10% | 7.96% |
| Q2 2026 | $124.7M | $184.7M | 14.84% | 21.25% | 7.89% |
First State Bank of Bedias loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Bedias, 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 of Bedias profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16895) · FFIEC NIC profile (RSSD 88352)