First State Bank of San Diego: 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): 17.64 percentage points lower than in Q1 2026, at 47.76%. First State Bank of San Diego has the 16th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 24.52% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, First State Bank of San Diego reported 24.52% on loan-to-deposit ratio in Q2 2026, 43.11 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.2M |
| Net loans and leases | $14.9M |
| Loans held for sale | $0 |
| Loans to total assets | 22.24% |
| Loan-to-deposit ratio | 24.52% |
| Net loans to equity capital | 2.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.80% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 41.53% |
| Consumer | 9.20% |
| Credit cards | 0.00% |
| Farm | 5.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.76% |
| Construction concentration (Tier 1 capital + allowance) | 30.80% |
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 | 8.10% |
| Interest income on loans | $323K |
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 | $20.4M | $67.8M | 14.22% | 34.02% | 9.81% |
| Q4 2023 | $20.3M | $68.0M | 14.31% | 35.42% | 9.55% |
| Q1 2024 | $21.0M | $72.0M | 13.60% | 35.37% | 8.57% |
| Q2 2024 | $20.7M | $67.6M | 13.60% | 36.67% | 9.63% |
| Q3 2024 | $20.1M | $65.8M | 14.12% | 38.02% | 9.92% |
| Q4 2024 | $18.9M | $67.1M | 14.83% | 41.69% | 10.33% |
| Q1 2025 | $19.6M | $71.6M | 14.04% | 41.94% | 9.62% |
| Q2 2025 | $19.6M | $70.0M | 17.03% | 39.03% | 9.00% |
| Q3 2025 | $19.6M | $62.4M | 17.09% | 40.46% | 8.05% |
| Q4 2025 | $17.4M | $66.9M | 13.03% | 41.34% | 8.90% |
| Q1 2026 | $16.8M | $66.6M | 14.55% | 39.02% | 9.15% |
| Q2 2026 | $15.2M | $61.9M | 11.80% | 41.53% | 9.20% |
First State Bank of San Diego loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of San Diego, 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 San Diego profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17350) · FFIEC NIC profile (RSSD 578862)