First State Bank of Burnet: 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 CRE concentration (Tier 1 capital + allowance): 9.20 percentage points lower than in Q1 2026, at 142.71%. First State Bank of Burnet ranks 237th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 62.21% (Q2 2026). First State Bank of Burnet reported 62.21% on loan-to-deposit ratio for Q2 2026, 18.63 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $179.8M |
| Net loans and leases | $178.2M |
| Loans held for sale | $0 |
| Loans to total assets | 55.18% |
| Loan-to-deposit ratio | 62.21% |
| Net loans to equity capital | 4.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.74% |
| Multifamily (5+ residential) | 3.12% |
| Commercial and industrial | 13.18% |
| Consumer | 2.45% |
| Credit cards | 0.00% |
| Farm | 4.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.71% |
| Construction concentration (Tier 1 capital + allowance) | 100.72% |
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 | 6.82% |
| 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 | $117.4M | $273.1M | 21.43% | 9.54% | 4.28% |
| Q4 2023 | $111.5M | $273.9M | 22.45% | 9.99% | 4.29% |
| Q1 2024 | $116.4M | $284.5M | 21.18% | 10.03% | 3.91% |
| Q2 2024 | $120.8M | $272.3M | 20.48% | 9.91% | 3.74% |
| Q3 2024 | $126.2M | $265.2M | 19.88% | 11.24% | 3.51% |
| Q4 2024 | $135.8M | $266.7M | 25.53% | 12.11% | 3.50% |
| Q1 2025 | $144.4M | $295.8M | 27.21% | 11.32% | 3.05% |
| Q2 2025 | $149.8M | $284.8M | 28.36% | 11.58% | 2.80% |
| Q3 2025 | $164.1M | $281.2M | 25.81% | 11.19% | 2.43% |
| Q4 2025 | $179.7M | $282.4M | 25.34% | 13.98% | 2.20% |
| Q1 2026 | $185.6M | $295.3M | 23.33% | 13.44% | 2.29% |
| Q2 2026 | $179.8M | $289.0M | 24.74% | 13.18% | 2.45% |
First State Bank of Burnet loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Burnet, 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 Burnet profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11557) · FFIEC NIC profile (RSSD 303653)