First State Bank of Uvalde: 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 4.41 percentage points in Q2 2026, from 74.12% to 69.71%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank of Uvalde is 284th of 346 on loan-to-deposit ratio, 45.90% as of Q2 2026, below the middle of the field. First State Bank of Uvalde reported 45.90% on loan-to-deposit ratio for Q2 2026, 42.30 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $672.0M |
| Net loans and leases | $661.4M |
| Loans held for sale | $0 |
| Loans to total assets | 39.90% |
| Loan-to-deposit ratio | 45.90% |
| Net loans to equity capital | 3.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.17% |
| Multifamily (5+ residential) | 1.32% |
| Commercial and industrial | 12.56% |
| Consumer | 1.60% |
| Credit cards | 0.00% |
| Farm | 4.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.71% |
| Construction concentration (Tier 1 capital + allowance) | 21.20% |
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 | 6.29% |
| Interest income on loans | $10.4M |
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 | $656.6M | $1.76B | 43.34% | 9.86% | 2.06% |
| Q4 2023 | $668.2M | $1.77B | 44.12% | 9.50% | 2.04% |
| Q1 2024 | $679.1M | $1.76B | 46.25% | 9.48% | 1.95% |
| Q2 2024 | $677.2M | $1.73B | 43.26% | 10.09% | 2.00% |
| Q3 2024 | $687.6M | $1.69B | 42.91% | 10.23% | 1.98% |
| Q4 2024 | $713.8M | $1.66B | 43.38% | 9.87% | 1.91% |
| Q1 2025 | $711.8M | $1.63B | 46.56% | 9.87% | 1.80% |
| Q2 2025 | $695.9M | $1.63B | 44.24% | 10.47% | 1.80% |
| Q3 2025 | $689.6M | $1.59B | 44.29% | 11.50% | 1.73% |
| Q4 2025 | $674.5M | $1.57B | 42.20% | 11.95% | 1.74% |
| Q1 2026 | $669.2M | $1.53B | 45.16% | 12.02% | 1.65% |
| Q2 2026 | $672.0M | $1.46B | 44.17% | 12.56% | 1.60% |
First State Bank of Uvalde loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Uvalde, 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 Uvalde profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9978) · FFIEC NIC profile (RSSD 273662)