First State Bank of Brownsboro: 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.
Commercial and industrial climbed 2.81 percentage points in Q2 2026, from 14.70% to 17.51%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank of Brownsboro is 274th of 346 on loan-to-deposit ratio, 50.65% as of Q2 2026, below the middle of the field. First State Bank of Brownsboro reported 50.65% on loan-to-deposit ratio for Q2 2026, 30.29 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.6M |
| Net loans and leases | $65.0M |
| Loans held for sale | $0 |
| Loans to total assets | 46.94% |
| Loan-to-deposit ratio | 50.65% |
| Net loans to equity capital | 7.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.99% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.51% |
| Consumer | 11.90% |
| Credit cards | 0.00% |
| Farm | 9.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 32.26% |
| Construction concentration (Tier 1 capital + allowance) | 14.00% |
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 | 7.68% |
| 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 | $63.3M | $121.4M | 8.42% | 15.27% | 14.03% |
| Q4 2023 | $65.5M | $122.2M | 8.52% | 15.16% | 13.46% |
| Q1 2024 | $64.4M | $122.1M | 8.52% | 14.64% | 13.10% |
| Q2 2024 | $61.2M | $120.5M | 9.56% | 14.71% | 13.36% |
| Q3 2024 | $59.8M | $116.7M | 9.35% | 15.21% | 14.50% |
| Q4 2024 | $60.5M | $120.5M | 9.61% | 15.28% | 14.50% |
| Q1 2025 | $62.5M | $119.8M | 9.25% | 15.63% | 13.87% |
| Q2 2025 | $63.6M | $119.2M | 9.45% | 17.38% | 13.43% |
| Q3 2025 | $64.9M | $124.0M | 10.17% | 15.83% | 12.94% |
| Q4 2025 | $64.5M | $128.5M | 10.13% | 13.83% | 13.15% |
| Q1 2026 | $64.6M | $131.1M | 10.06% | 14.70% | 12.61% |
| Q2 2026 | $65.6M | $129.6M | 9.99% | 17.51% | 11.90% |
First State Bank of Brownsboro loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Brownsboro, 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 Brownsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11181) · FFIEC NIC profile (RSSD 229454)