First State Bank of Ben Wheeler, Texas: 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 1.41 percentage points in Q2 2026, from 28.08% to 26.67%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Ben Wheeler, Texas ranks 291st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 42.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Ben Wheeler, Texas sits 37.86 points lower, at 42.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $67.1M |
| Net loans and leases | $66.0M |
| Loans held for sale | $0 |
| Loans to total assets | 36.24% |
| Loan-to-deposit ratio | 42.97% |
| Net loans to equity capital | 2.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.75% |
| Consumer | 6.90% |
| Credit cards | 0.00% |
| Farm | 16.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.67% |
| Construction concentration (Tier 1 capital + allowance) | 20.85% |
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 | 7.41% |
| Interest income on loans | $1.3M |
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 | $69.3M | $169.6M | 7.14% | 14.21% | 8.21% |
| Q4 2023 | $69.3M | $163.7M | 7.86% | 14.41% | 8.37% |
| Q1 2024 | $70.7M | $159.8M | 7.77% | 15.32% | 8.15% |
| Q2 2024 | $69.7M | $161.4M | 7.99% | 14.86% | 8.07% |
| Q3 2024 | $70.0M | $158.5M | 7.47% | 14.91% | 8.29% |
| Q4 2024 | $69.3M | $159.1M | 7.46% | 14.70% | 7.89% |
| Q1 2025 | $69.6M | $158.4M | 7.18% | 14.79% | 7.79% |
| Q2 2025 | $68.8M | $153.9M | 6.83% | 14.11% | 7.54% |
| Q3 2025 | $69.0M | $153.2M | 8.55% | 13.45% | 7.56% |
| Q4 2025 | $69.3M | $156.4M | 8.89% | 13.67% | 7.45% |
| Q1 2026 | $67.6M | $158.6M | 9.07% | 13.81% | 6.68% |
| Q2 2026 | $67.1M | $156.1M | 8.96% | 13.75% | 6.90% |
First State Bank of Ben Wheeler, Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Ben Wheeler, Texas, 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 Ben Wheeler, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11904) · FFIEC NIC profile (RSSD 31657)