Global One 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 34.13 percentage points in Q2 2026, from 336.38% to 302.25%. It was the largest change from Q1 2026 among the key lines here. Global One Bank ranks 51st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 90.30% (Q2 2026). Global One Bank reported 90.30% on loan-to-deposit ratio for Q2 2026, 9.46 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $247.9M |
| Net loans and leases | $244.9M |
| Loans held for sale | $8.1M |
| Loans to total assets | 74.39% |
| Loan-to-deposit ratio | 90.30% |
| Net loans to equity capital | 4.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 61.41% |
| Multifamily (5+ residential) | 5.55% |
| Commercial and industrial | 6.55% |
| Consumer | 1.27% |
| Credit cards | 0.00% |
| Farm | 2.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 302.25% |
| Construction concentration (Tier 1 capital + allowance) | 23.35% |
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 | 7.90% |
| Interest income on loans | $5.1M |
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 | $72.3M | $82.1M | 42.31% | 5.41% | 1.79% |
| Q4 2023 | $94.4M | $86.7M | 48.00% | 8.48% | 1.50% |
| Q1 2024 | $108.7M | $108.4M | 51.41% | 7.09% | 0.83% |
| Q2 2024 | $113.8M | $122.4M | 53.07% | 4.73% | 1.11% |
| Q3 2024 | $126.0M | $155.7M | 51.19% | 8.45% | 1.26% |
| Q4 2024 | $167.2M | $180.9M | 57.37% | 7.24% | 0.97% |
| Q1 2025 | $193.3M | $207.5M | 56.41% | 6.39% | 0.93% |
| Q2 2025 | $212.6M | $230.6M | 59.78% | 4.12% | 0.88% |
| Q3 2025 | $232.6M | $239.5M | 62.29% | 3.67% | 1.81% |
| Q4 2025 | $242.7M | $257.1M | 62.40% | 4.81% | 1.48% |
| Q1 2026 | $252.8M | $259.0M | 60.84% | 5.57% | 1.30% |
| Q2 2026 | $247.9M | $274.5M | 61.41% | 6.55% | 1.27% |
Global One Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Global One 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 Global One Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11570) · FFIEC NIC profile (RSSD 748357)