Greater State 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): 9.40 percentage points higher than in Q1 2026, at 221.53%. Greater State Bank ranks 53rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 89.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Greater State Bank sits 8.84 points higher, at 89.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.0M |
| Net loans and leases | $141.5M |
| Loans held for sale | $0 |
| Loans to total assets | 79.33% |
| Loan-to-deposit ratio | 89.78% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.71% |
| Multifamily (5+ residential) | 6.93% |
| Commercial and industrial | 18.12% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 6.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.53% |
| Construction concentration (Tier 1 capital + allowance) | 100.15% |
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 | 8.50% |
| Interest income on loans | $3.0M |
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 | $107.2M | $129.9M | 30.44% | 17.11% | 1.50% |
| Q4 2023 | $113.2M | $133.0M | 29.34% | 18.62% | 1.15% |
| Q1 2024 | $117.6M | $135.6M | 29.70% | 19.86% | 1.01% |
| Q2 2024 | $118.2M | $142.6M | 29.80% | 18.97% | 1.07% |
| Q3 2024 | $118.1M | $141.9M | 29.48% | 19.43% | 1.08% |
| Q4 2024 | $120.6M | $154.1M | 29.43% | 19.73% | 1.32% |
| Q1 2025 | $121.8M | $154.0M | 29.39% | 19.38% | 1.38% |
| Q2 2025 | $126.0M | $152.1M | 29.22% | 19.13% | 1.43% |
| Q3 2025 | $127.2M | $156.5M | 30.05% | 18.38% | 1.32% |
| Q4 2025 | $134.5M | $156.8M | 31.40% | 17.65% | 1.03% |
| Q1 2026 | $139.4M | $160.1M | 30.07% | 19.20% | 0.94% |
| Q2 2026 | $143.0M | $159.3M | 31.71% | 18.12% | 0.96% |
Greater State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Greater State 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 Greater State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31762) · FFIEC NIC profile (RSSD 518877)