Harmony 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) dropped 3.55 percentage points in Q2 2026, from 126.58% to 123.03%. It was the largest change from Q1 2026 among the key lines here. Harmony Bank ranks 58th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 88.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Harmony Bank sits 8.39 points higher, at 88.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $629.4M |
| Net loans and leases | $622.6M |
| Loans held for sale | $737K |
| Loans to total assets | 73.59% |
| Loan-to-deposit ratio | 88.94% |
| Net loans to equity capital | 4.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.97% |
| Multifamily (5+ residential) | 4.87% |
| Commercial and industrial | 13.83% |
| Consumer | 0.72% |
| Credit cards | 0.00% |
| Farm | 1.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 325.88% |
| Construction concentration (Tier 1 capital + allowance) | 123.03% |
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 | 7.35% |
| Interest income on loans | $11.2M |
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 | $473.3M | $634.5M | 42.98% | 14.59% | 1.54% |
| Q4 2023 | $486.4M | $600.0M | 42.95% | 13.79% | 1.39% |
| Q1 2024 | $505.2M | $576.7M | 43.44% | 13.45% | 1.27% |
| Q2 2024 | $540.7M | $651.7M | 43.46% | 12.68% | 1.12% |
| Q3 2024 | $554.2M | $672.0M | 45.29% | 12.07% | 1.03% |
| Q4 2024 | $583.3M | $659.1M | 47.37% | 11.88% | 0.96% |
| Q1 2025 | $615.4M | $670.8M | 47.96% | 11.02% | 0.84% |
| Q2 2025 | $595.7M | $665.9M | 47.19% | 11.55% | 0.81% |
| Q3 2025 | $595.2M | $682.6M | 46.20% | 11.06% | 0.78% |
| Q4 2025 | $593.7M | $692.8M | 45.11% | 13.77% | 0.76% |
| Q1 2026 | $607.6M | $671.2M | 44.65% | 13.08% | 0.77% |
| Q2 2026 | $629.4M | $707.7M | 44.97% | 13.83% | 0.72% |
Harmony Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Harmony 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 Harmony Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57922) · FFIEC NIC profile (RSSD 3297490)