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.
Cre concentration (tier 1 capital + allowance) dropped 6.32 percentage points in Q2 2026, from 165.28% to 158.95%. It was the largest change from Q1 2026 among the key lines here. The First State Bank ranks 124th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 80.84% (Q2 2026). At 80.84%, The First State Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $652.2M |
| Net loans and leases | $643.8M |
| Loans held for sale | $0 |
| Loans to total assets | 72.86% |
| Loan-to-deposit ratio | 80.84% |
| Net loans to equity capital | 8.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.78% |
| Multifamily (5+ residential) | 1.78% |
| Commercial and industrial | 7.31% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 21.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 158.95% |
| Construction concentration (Tier 1 capital + allowance) | 103.31% |
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 | 7.29% |
| Interest income on loans | $11.8M |
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 | $553.4M | $749.3M | 20.52% | 9.01% | 0.62% |
| Q4 2023 | $548.5M | $742.7M | 20.78% | 9.03% | 0.63% |
| Q1 2024 | $558.1M | $736.8M | 20.48% | 8.33% | 0.60% |
| Q2 2024 | $571.8M | $729.6M | 20.58% | 8.46% | 0.56% |
| Q3 2024 | $559.5M | $749.7M | 20.54% | 8.45% | 0.57% |
| Q4 2024 | $556.7M | $749.0M | 21.10% | 8.38% | 0.59% |
| Q1 2025 | $578.1M | $760.9M | 21.72% | 8.30% | 0.51% |
| Q2 2025 | $600.2M | $735.5M | 20.49% | 7.61% | 0.53% |
| Q3 2025 | $621.3M | $762.3M | 20.29% | 7.29% | 0.52% |
| Q4 2025 | $632.6M | $792.8M | 21.09% | 7.08% | 0.53% |
| Q1 2026 | $642.3M | $798.3M | 20.95% | 7.31% | 0.52% |
| Q2 2026 | $652.2M | $806.8M | 20.78% | 7.31% | 0.51% |
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 17588) · FFIEC NIC profile (RSSD 888552)