Houston Bank & Trust: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Houston Bank & Trust reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $15.1M in Q3 2026. That is 30.0% of its total assets.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 90.37 percentage points higher than in Q2 2026, at 114.35%. Among 345 Texas banks, Houston Bank & Trust sits 3rd from the top on loan-to-deposit ratio, 114.35% as of Q3 2026. Houston Bank & Trust's loan-to-deposit ratio of 114.35% is well above the 68.95% median for banks in the < $100M asset tier, a gap of 45.40 points (Q3 2026).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $15.1M |
| Net loans and leases | $14.9M |
| Loans held for sale | $0 |
| Loans to total assets | 30.03% |
| Loan-to-deposit ratio | 114.35% |
| Net loans to equity capital | 0.41× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Largest change in this table: commercial and industrial, down 41.65 points to 7.56% in Q3 2026 after 49.21% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.83% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.56% |
| Consumer | 0.21% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
CRE concentration (Tier 1 capital + allowance) changed the most here, up 33.30 points to 33.30% in Q3 2026 from 0.00% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.30% |
| Construction concentration (Tier 1 capital + allowance) | 20.27% |
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
Yield on loans moved most in this table, down 3.45 points: 10.81% in Q2 2026, 7.36% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 7.36% |
| Interest income on loans | $63K |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q2 2026 | $632K | $2.6M | 50.79% | 49.21% | 0.00% |
| Q3 2026 | $15.1M | $13.2M | 42.83% | 7.56% | 0.21% |
Houston Bank & Trust loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Houston Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 59360) · FFIEC NIC profile (RSSD 6051022)