The First State Bank: 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 Loans to total assets: 2.43 percentage points higher than in Q1 2026, at 72.70%. Within Texas, The First State Bank is 44th of 346 on loan-to-deposit ratio, 91.51% 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. The First State Bank sits 10.67 points higher, at 91.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.3M |
| Net loans and leases | $87.2M |
| Loans held for sale | $0 |
| Loans to total assets | 72.70% |
| Loan-to-deposit ratio | 91.51% |
| Net loans to equity capital | 5.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.55% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.18% |
| Consumer | 4.47% |
| Credit cards | 0.00% |
| Farm | 9.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 137.78% |
| Construction concentration (Tier 1 capital + allowance) | 18.77% |
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 | 10.60% |
| Interest income on loans | $2.3M |
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 | $60.3M | $60.4M | 22.00% | 10.69% | 8.43% |
| Q4 2023 | $61.5M | $69.6M | 23.25% | 11.82% | 8.23% |
| Q1 2024 | $60.4M | $70.1M | 20.51% | 11.16% | 7.82% |
| Q2 2024 | $63.4M | $71.3M | 17.92% | 13.40% | 7.12% |
| Q3 2024 | $69.9M | $69.1M | 19.75% | 12.32% | 6.74% |
| Q4 2024 | $74.6M | $74.4M | 19.45% | 11.99% | 5.90% |
| Q1 2025 | $80.3M | $78.4M | 22.10% | 11.17% | 5.48% |
| Q2 2025 | $81.4M | $77.4M | 23.76% | 10.92% | 5.55% |
| Q3 2025 | $83.6M | $88.1M | 24.60% | 12.05% | 5.27% |
| Q4 2025 | $86.6M | $95.2M | 25.03% | 18.59% | 5.03% |
| Q1 2026 | $87.0M | $97.2M | 22.84% | 18.38% | 4.57% |
| Q2 2026 | $88.3M | $96.4M | 23.55% | 17.18% | 4.47% |
The First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank, 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 The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11175) · FFIEC NIC profile (RSSD 305059)