First United 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.
Loans held for sale climbed 209.1% in Q2 2026, from $1.4M to $4.3M. It was the largest change from Q1 2026 among the key lines here. First United Bank ranks 187th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 70.78% (Q2 2026). First United Bank reported 70.78% on loan-to-deposit ratio for Q2 2026, 17.43 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.51B |
| Net loans and leases | $1.49B |
| Loans held for sale | $4.3M |
| Loans to total assets | 62.71% |
| Loan-to-deposit ratio | 70.78% |
| Net loans to equity capital | 5.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.04% |
| Multifamily (5+ residential) | 3.68% |
| Commercial and industrial | 13.05% |
| Consumer | 0.33% |
| Credit cards | 0.00% |
| Farm | 12.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 190.40% |
| Construction concentration (Tier 1 capital + allowance) | 64.91% |
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 | 7.34% |
| Interest income on loans | $27.5M |
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 | $1.34B | $1.78B | 32.19% | 18.90% | 0.52% |
| Q4 2023 | $1.36B | $1.82B | 31.94% | 18.21% | 0.44% |
| Q1 2024 | $1.36B | $1.82B | 34.07% | 17.71% | 0.40% |
| Q2 2024 | $1.39B | $1.73B | 33.28% | 17.21% | 0.37% |
| Q3 2024 | $1.38B | $1.76B | 34.16% | 15.12% | 0.33% |
| Q4 2024 | $1.39B | $1.80B | 33.59% | 16.76% | 0.32% |
| Q1 2025 | $1.47B | $2.17B | 31.61% | 16.24% | 0.47% |
| Q2 2025 | $1.47B | $2.12B | 31.41% | 14.53% | 0.46% |
| Q3 2025 | $1.50B | $2.12B | 31.30% | 13.75% | 0.41% |
| Q4 2025 | $1.50B | $2.18B | 31.45% | 15.22% | 0.39% |
| Q1 2026 | $1.49B | $2.18B | 32.19% | 14.36% | 0.36% |
| Q2 2026 | $1.51B | $2.13B | 35.04% | 13.05% | 0.33% |
First United Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12769) · FFIEC NIC profile (RSSD 578255)