Haskell National 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 4.34 percentage points in Q2 2026, from 7.39% to 11.74%. It was the largest change from Q1 2026 among the key lines here. Haskell National Bank ranks 306th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 39.49% (Q2 2026). Haskell National Bank reported 39.49% on loan-to-deposit ratio for Q2 2026, 27.83 points below the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.9M |
| Net loans and leases | $24.6M |
| Loans held for sale | $0 |
| Loans to total assets | 34.30% |
| Loan-to-deposit ratio | 39.49% |
| Net loans to equity capital | 2.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.31% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.68% |
| Consumer | 9.05% |
| Credit cards | 0.00% |
| Farm | 5.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.38% |
| Construction concentration (Tier 1 capital + allowance) | 11.74% |
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 | 7.82% |
| Interest income on loans | $463K |
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 | $23.3M | $69.7M | 10.04% | 5.30% | 11.52% |
| Q4 2023 | $24.6M | $69.9M | 13.38% | 4.86% | 10.68% |
| Q1 2024 | $25.3M | $66.2M | 12.79% | 4.29% | 10.51% |
| Q2 2024 | $25.7M | $66.7M | 11.97% | 5.49% | 11.25% |
| Q3 2024 | $26.7M | $67.8M | 12.19% | 4.78% | 10.33% |
| Q4 2024 | $24.7M | $66.3M | 12.93% | 4.97% | 10.11% |
| Q1 2025 | $24.5M | $64.5M | 12.48% | 5.13% | 10.17% |
| Q2 2025 | $25.6M | $64.4M | 11.71% | 4.50% | 9.00% |
| Q3 2025 | $27.5M | $64.8M | 15.08% | 4.25% | 8.41% |
| Q4 2025 | $26.1M | $64.8M | 13.80% | 3.53% | 8.29% |
| Q1 2026 | $24.1M | $66.5M | 14.65% | 4.35% | 8.77% |
| Q2 2026 | $24.9M | $63.1M | 13.31% | 6.68% | 9.05% |
Haskell National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Haskell National 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 Haskell National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14399) · FFIEC NIC profile (RSSD 170257)