The Jacksboro 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.71 percentage points lower than in Q1 2026, at 66.55%. Within Texas, The Jacksboro National Bank is 258th of 346 on loan-to-deposit ratio, 56.75% as of Q2 2026, below the middle of the field. The Jacksboro National Bank reported 56.75% on loan-to-deposit ratio for Q2 2026, 24.19 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $145.3M |
| Net loans and leases | $143.0M |
| Loans held for sale | $1.1M |
| Loans to total assets | 51.32% |
| Loan-to-deposit ratio | 56.75% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.24% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.11% |
| Consumer | 4.78% |
| Credit cards | 0.00% |
| Farm | 23.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.73% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 66.55% |
| Construction concentration (Tier 1 capital + allowance) | 22.54% |
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 | 7.85% |
| Interest income on loans | $2.9M |
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 | $127.6M | $264.2M | 21.46% | 13.75% | 5.39% |
| Q4 2023 | $134.9M | $278.9M | 21.29% | 14.03% | 5.23% |
| Q1 2024 | $145.8M | $267.8M | 19.79% | 12.74% | 4.77% |
| Q2 2024 | $152.9M | $259.6M | 21.52% | 11.98% | 5.60% |
| Q3 2024 | $146.1M | $256.5M | 19.59% | 12.22% | 6.03% |
| Q4 2024 | $149.7M | $268.4M | 19.09% | 11.85% | 5.78% |
| Q1 2025 | $150.2M | $266.8M | 18.94% | 10.55% | 5.38% |
| Q2 2025 | $148.8M | $256.9M | 18.38% | 9.59% | 5.37% |
| Q3 2025 | $142.6M | $260.4M | 19.36% | 9.89% | 5.36% |
| Q4 2025 | $147.5M | $270.7M | 19.03% | 9.47% | 4.94% |
| Q1 2026 | $149.7M | $265.3M | 19.58% | 8.90% | 4.65% |
| Q2 2026 | $145.3M | $256.0M | 19.24% | 10.11% | 4.78% |
The Jacksboro National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Jacksboro 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 The Jacksboro National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3275) · FFIEC NIC profile (RSSD 924058)