Grandview 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 CRE concentration (Tier 1 capital + allowance): 23.72 percentage points lower than in Q1 2026, at 250.27%. Within Texas, Grandview Bank is 91st of 346 on loan-to-deposit ratio, 85.16% as of Q2 2026, above the middle of the field. Grandview Bank reported 85.16% on loan-to-deposit ratio for Q2 2026, 4.32 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $544.7M |
| Net loans and leases | $537.7M |
| Loans held for sale | $0 |
| Loans to total assets | 74.69% |
| Loan-to-deposit ratio | 85.16% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.01% |
| Multifamily (5+ residential) | 0.41% |
| Commercial and industrial | 31.70% |
| Consumer | 3.27% |
| Credit cards | 0.00% |
| Farm | 3.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.27% |
| Construction concentration (Tier 1 capital + allowance) | 95.57% |
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 | 7.38% |
| Interest income on loans | $10.2M |
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 | $324.5M | $480.4M | 29.44% | 27.65% | 7.05% |
| Q4 2023 | $388.4M | $559.5M | 24.90% | 35.40% | 5.97% |
| Q1 2024 | $408.3M | $548.8M | 24.73% | 35.15% | 5.71% |
| Q2 2024 | $422.2M | $579.8M | 25.74% | 36.25% | 5.43% |
| Q3 2024 | $432.4M | $584.5M | 27.71% | 34.39% | 5.13% |
| Q4 2024 | $454.0M | $586.6M | 26.63% | 33.55% | 4.58% |
| Q1 2025 | $495.6M | $602.8M | 30.18% | 31.96% | 4.04% |
| Q2 2025 | $499.3M | $605.4M | 30.38% | 31.46% | 3.83% |
| Q3 2025 | $516.5M | $640.8M | 29.74% | 31.88% | 3.54% |
| Q4 2025 | $533.2M | $608.9M | 27.33% | 33.66% | 3.38% |
| Q1 2026 | $546.7M | $616.9M | 26.90% | 33.23% | 3.17% |
| Q2 2026 | $544.7M | $639.6M | 28.01% | 31.70% | 3.27% |
Grandview Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grandview 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 Grandview Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3230) · FFIEC NIC profile (RSSD 333856)