Homebank Texas: 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.
Cre concentration (tier 1 capital + allowance) climbed 7.09 percentage points in Q2 2026, from 170.73% to 177.82%. It was the largest change from Q1 2026 among the key lines here. Homebank Texas ranks 97th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Homebank Texas sits 3.95 points higher, at 84.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $300.9M |
| Net loans and leases | $296.4M |
| Loans held for sale | $0 |
| Loans to total assets | 74.66% |
| Loan-to-deposit ratio | 84.79% |
| Net loans to equity capital | 6.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.88% |
| Multifamily (5+ residential) | 2.08% |
| Commercial and industrial | 10.28% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 1.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 177.82% |
| Construction concentration (Tier 1 capital + allowance) | 88.83% |
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 | 7.25% |
| Interest income on loans | $5.4M |
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 | $262.4M | $271.2M | 29.04% | 12.50% | 0.93% |
| Q4 2023 | $269.4M | $283.3M | 28.89% | 10.97% | 0.90% |
| Q1 2024 | $271.9M | $275.5M | 28.78% | 10.76% | 0.66% |
| Q2 2024 | $277.5M | $283.5M | 30.80% | 11.14% | 0.62% |
| Q3 2024 | $271.4M | $295.4M | 30.21% | 10.87% | 0.61% |
| Q4 2024 | $273.2M | $298.5M | 30.20% | 11.88% | 0.58% |
| Q1 2025 | $288.2M | $308.2M | 30.64% | 12.46% | 0.53% |
| Q2 2025 | $281.4M | $309.1M | 29.68% | 12.64% | 0.54% |
| Q3 2025 | $286.8M | $314.9M | 29.32% | 11.99% | 0.59% |
| Q4 2025 | $295.2M | $325.8M | 28.47% | 12.53% | 0.53% |
| Q1 2026 | $294.4M | $342.1M | 29.61% | 10.70% | 0.52% |
| Q2 2026 | $300.9M | $354.9M | 31.88% | 10.28% | 0.51% |
Homebank Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Homebank Texas, 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 Homebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17094) · FFIEC NIC profile (RSSD 522669)