Inwood 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 11.51 percentage points in Q2 2026, from 46.06% to 57.56%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Inwood National Bank is 199th of 346 on loan-to-deposit ratio, 67.74% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Inwood National Bank sits 20.46 points lower, at 67.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.48B |
| Net loans and leases | $2.46B |
| Loans held for sale | $1.9M |
| Loans to total assets | 58.25% |
| Loan-to-deposit ratio | 67.74% |
| Net loans to equity capital | 4.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 65.07% |
| Multifamily (5+ residential) | 3.84% |
| Commercial and industrial | 4.65% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 326.35% |
| Construction concentration (Tier 1 capital + allowance) | 57.56% |
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 | 5.99% |
| Interest income on loans | $37.5M |
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 | $2.43B | $3.50B | 64.52% | 4.83% | 0.18% |
| Q4 2023 | $2.46B | $3.54B | 65.34% | 4.75% | 0.20% |
| Q1 2024 | $2.48B | $3.55B | 66.77% | 4.69% | 0.22% |
| Q2 2024 | $2.50B | $3.76B | 65.85% | 4.51% | 0.20% |
| Q3 2024 | $2.49B | $3.86B | 65.76% | 4.32% | 0.21% |
| Q4 2024 | $2.47B | $3.78B | 65.61% | 4.20% | 0.20% |
| Q1 2025 | $2.41B | $3.82B | 67.52% | 3.99% | 0.32% |
| Q2 2025 | $2.44B | $3.68B | 68.99% | 4.05% | 0.34% |
| Q3 2025 | $2.42B | $3.82B | 67.86% | 4.18% | 0.30% |
| Q4 2025 | $2.56B | $3.97B | 68.03% | 4.52% | 0.31% |
| Q1 2026 | $2.49B | $3.85B | 68.15% | 4.36% | 0.32% |
| Q2 2026 | $2.48B | $3.66B | 65.07% | 4.65% | 0.31% |
Inwood National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Inwood 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 Inwood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19080) · FFIEC NIC profile (RSSD 913753)