Guadalupe 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.
Construction concentration (tier 1 capital + allowance) climbed 17.54 percentage points in Q2 2026, from 108.45% to 126.00%. It was the largest change from Q1 2026 among the key lines here. Guadalupe Bank ranks 76th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 86.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Guadalupe Bank sits 5.86 points higher, at 86.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $203.0M |
| Net loans and leases | $200.8M |
| Loans held for sale | $0 |
| Loans to total assets | 77.73% |
| Loan-to-deposit ratio | 86.70% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.57% |
| Multifamily (5+ residential) | 2.96% |
| Commercial and industrial | 1.79% |
| Consumer | 0.33% |
| Credit cards | 0.00% |
| Farm | 18.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.08% |
| Construction concentration (Tier 1 capital + allowance) | 126.00% |
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 | 7.15% |
| Interest income on loans | $3.5M |
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 | $190.1M | $235.3M | 27.93% | 1.91% | 0.71% |
| Q4 2023 | $190.3M | $226.0M | 28.19% | 1.90% | 0.69% |
| Q1 2024 | $188.0M | $218.2M | 28.85% | 1.49% | 0.68% |
| Q2 2024 | $193.6M | $215.5M | 28.62% | 1.22% | 0.70% |
| Q3 2024 | $191.0M | $221.6M | 28.36% | 1.11% | 0.79% |
| Q4 2024 | $186.9M | $205.8M | 30.61% | 1.23% | 0.77% |
| Q1 2025 | $179.0M | $212.8M | 29.29% | 1.20% | 0.78% |
| Q2 2025 | $182.9M | $206.8M | 29.29% | 1.56% | 0.40% |
| Q3 2025 | $177.2M | $214.7M | 29.05% | 1.61% | 0.41% |
| Q4 2025 | $176.5M | $218.1M | 29.56% | 1.71% | 0.40% |
| Q1 2026 | $185.7M | $227.0M | 29.56% | 2.00% | 0.43% |
| Q2 2026 | $203.0M | $234.1M | 29.57% | 1.79% | 0.33% |
Guadalupe Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Guadalupe 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 Guadalupe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58768) · FFIEC NIC profile (RSSD 3635551)