FirstBank Southwest: 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 11.49 percentage points in Q2 2026, from 263.70% to 252.21%. It was the largest change from Q1 2026 among the key lines here. Within Texas, FirstBank Southwest is 133rd of 346 on loan-to-deposit ratio, 78.94% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. FirstBank Southwest sits 9.26 points lower, at 78.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.32B |
| Net loans and leases | $1.30B |
| Loans held for sale | $1.1M |
| Loans to total assets | 70.32% |
| Loan-to-deposit ratio | 78.94% |
| Net loans to equity capital | 7.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.61% |
| Multifamily (5+ residential) | 3.06% |
| Commercial and industrial | 20.18% |
| Consumer | 2.00% |
| Credit cards | 0.00% |
| Farm | 3.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 252.21% |
| Construction concentration (Tier 1 capital + allowance) | 87.19% |
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 | 7.01% |
| Interest income on loans | $23.5M |
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 | $1.25B | $1.44B | 24.57% | 29.51% | 2.78% |
| Q4 2023 | $1.28B | $1.56B | 24.18% | 29.99% | 2.81% |
| Q1 2024 | $1.28B | $1.56B | 24.32% | 28.99% | 2.83% |
| Q2 2024 | $1.33B | $1.51B | 26.81% | 28.49% | 2.75% |
| Q3 2024 | $1.31B | $1.57B | 26.44% | 25.92% | 2.67% |
| Q4 2024 | $1.35B | $1.61B | 26.65% | 26.89% | 2.44% |
| Q1 2025 | $1.35B | $1.64B | 27.58% | 25.25% | 2.27% |
| Q2 2025 | $1.34B | $1.65B | 28.87% | 25.16% | 2.33% |
| Q3 2025 | $1.32B | $1.65B | 31.13% | 23.26% | 2.30% |
| Q4 2025 | $1.35B | $1.65B | 31.76% | 22.20% | 2.16% |
| Q1 2026 | $1.36B | $1.66B | 32.68% | 21.69% | 2.01% |
| Q2 2026 | $1.32B | $1.67B | 31.61% | 20.18% | 2.00% |
FirstBank Southwest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank Southwest, 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 FirstBank Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3387) · FFIEC NIC profile (RSSD 840363)