First State Bank of 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.
Construction concentration (tier 1 capital + allowance) climbed 3.81 percentage points in Q2 2026, from 163.97% to 167.78%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank of Texas is 117th of 346 on loan-to-deposit ratio, 82.03% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First State Bank of Texas reported 82.03% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $259.5M |
| Net loans and leases | $256.6M |
| Loans held for sale | $0 |
| Loans to total assets | 73.38% |
| Loan-to-deposit ratio | 82.03% |
| Net loans to equity capital | 7.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.09% |
| Multifamily (5+ residential) | 0.10% |
| Commercial and industrial | 19.24% |
| Consumer | 2.27% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 283.46% |
| Construction concentration (Tier 1 capital + allowance) | 167.78% |
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 | — |
| Interest income on loans | $4.6M |
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 | $174.7M | $233.5M | 37.38% | 25.29% | 4.72% |
| Q4 2023 | $178.1M | $234.9M | 35.48% | 28.28% | 4.78% |
| Q1 2024 | $189.6M | $252.6M | 35.38% | 29.14% | 4.53% |
| Q2 2024 | $199.4M | $243.9M | 35.77% | 27.03% | 4.28% |
| Q3 2024 | $197.6M | $262.0M | 37.20% | 24.35% | 4.18% |
| Q4 2024 | $211.7M | $302.9M | 38.09% | 23.55% | 3.78% |
| Q1 2025 | $216.2M | $312.1M | 39.22% | 21.82% | 3.47% |
| Q2 2025 | $211.7M | $315.0M | 37.08% | 22.55% | 3.62% |
| Q3 2025 | $237.9M | $318.5M | 38.95% | 21.35% | 3.16% |
| Q4 2025 | $261.7M | $330.6M | 39.35% | 20.32% | 2.75% |
| Q1 2026 | $258.7M | $311.2M | 38.93% | 17.87% | 2.64% |
| Q2 2026 | $259.5M | $316.3M | 38.09% | 19.24% | 2.27% |
First State Bank of 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 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11922) · FFIEC NIC profile (RSSD 190563)