Incommons Bank, N.A.: 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) dropped 22.08 percentage points in Q2 2026, from 201.52% to 179.44%. It was the largest change from Q1 2026 among the key lines here. Incommons Bank, N.A. ranks 130th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 79.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Incommons Bank, N.A. reported 79.92% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $196.4M |
| Net loans and leases | $194.2M |
| Loans held for sale | $0 |
| Loans to total assets | 70.75% |
| Loan-to-deposit ratio | 79.92% |
| Net loans to equity capital | 7.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.21% |
| Multifamily (5+ residential) | 8.07% |
| Commercial and industrial | 8.41% |
| Consumer | 5.79% |
| Credit cards | 0.00% |
| Farm | 8.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 179.44% |
| Construction concentration (Tier 1 capital + allowance) | 14.60% |
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 | 7.62% |
| Interest income on loans | $3.8M |
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 | $176.1M | $218.7M | 21.52% | 13.96% | 5.95% |
| Q4 2023 | $183.8M | $216.8M | 21.70% | 13.03% | 5.74% |
| Q1 2024 | $186.4M | $219.0M | 21.29% | 12.63% | 5.47% |
| Q2 2024 | $188.7M | $220.3M | 21.59% | 12.21% | 5.45% |
| Q3 2024 | $175.2M | $215.5M | 22.57% | 12.48% | 5.99% |
| Q4 2024 | $173.1M | $218.7M | 23.18% | 9.93% | 6.17% |
| Q1 2025 | $185.0M | $221.3M | 27.73% | 8.81% | 5.80% |
| Q2 2025 | $193.5M | $223.4M | 28.98% | 8.40% | 5.72% |
| Q3 2025 | $202.1M | $223.6M | 28.48% | 9.47% | 5.88% |
| Q4 2025 | $204.8M | $226.2M | 29.35% | 8.84% | 5.71% |
| Q1 2026 | $202.5M | $248.5M | 29.64% | 8.73% | 5.63% |
| Q2 2026 | $196.4M | $245.8M | 30.21% | 8.41% | 5.79% |
Incommons Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Incommons Bank, N.A., 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 Incommons Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3342) · FFIEC NIC profile (RSSD 414858)