First Texas National 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 Construction concentration (Tier 1 capital + allowance): 30.27 percentage points lower than in Q1 2026, at 121.87%. On loan-to-deposit ratio, First Texas National Bank ranks 26th highest among the 346 banks headquartered in Texas, at 97.15% (Q2 2026). First Texas National Bank reported 97.15% on loan-to-deposit ratio for Q2 2026, 16.31 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $189.7M |
| Net loans and leases | $188.1M |
| Loans held for sale | $1.5M |
| Loans to total assets | 87.45% |
| Loan-to-deposit ratio | 97.15% |
| Net loans to equity capital | 9.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.21% |
| Multifamily (5+ residential) | 1.72% |
| Commercial and industrial | 9.64% |
| Consumer | 1.08% |
| Credit cards | 0.00% |
| Farm | 20.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 261.11% |
| Construction concentration (Tier 1 capital + allowance) | 121.87% |
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 | $3.5M |
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 | $119.1M | $129.6M | 7.59% | 10.23% | 1.97% |
| Q4 2023 | $111.8M | $146.9M | 8.07% | 11.74% | 2.06% |
| Q1 2024 | $98.8M | $131.8M | 9.76% | 13.27% | 2.19% |
| Q2 2024 | $118.4M | $131.0M | 9.70% | 12.06% | 1.95% |
| Q3 2024 | $132.9M | $148.8M | 13.10% | 9.50% | 1.83% |
| Q4 2024 | $142.9M | $162.8M | 13.81% | 9.47% | 1.59% |
| Q1 2025 | $135.0M | $146.2M | 16.58% | 8.78% | 1.31% |
| Q2 2025 | $142.0M | $145.8M | 17.01% | 10.62% | 1.41% |
| Q3 2025 | $150.0M | $165.5M | 17.01% | 9.39% | 1.76% |
| Q4 2025 | $159.6M | $181.4M | 17.60% | 10.33% | 1.74% |
| Q1 2026 | $171.4M | $177.4M | 19.13% | 9.47% | 1.39% |
| Q2 2026 | $189.7M | $195.3M | 20.21% | 9.64% | 1.08% |
First Texas National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texas National 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 First Texas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3197) · FFIEC NIC profile (RSSD 393252)