Jefferson 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): 6.60 percentage points lower than in Q1 2026, at 237.52%. Within Texas, Jefferson Bank is 153rd of 346 on loan-to-deposit ratio, 75.63% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Jefferson Bank sits 12.57 points lower, at 75.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.97B |
| Net loans and leases | $1.95B |
| Loans held for sale | $6.0M |
| Loans to total assets | 68.40% |
| Loan-to-deposit ratio | 75.63% |
| Net loans to equity capital | 7.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.64% |
| Multifamily (5+ residential) | 4.46% |
| Commercial and industrial | 11.28% |
| Consumer | 1.75% |
| Credit cards | 0.00% |
| Farm | 1.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.52% |
| Construction concentration (Tier 1 capital + allowance) | 64.98% |
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 | 6.19% |
| Interest income on loans | $29.9M |
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 | $1.74B | $2.52B | 34.34% | 8.61% | 1.46% |
| Q4 2023 | $1.79B | $2.55B | 34.18% | 8.50% | 1.43% |
| Q1 2024 | $1.80B | $2.59B | 35.86% | 8.53% | 1.39% |
| Q2 2024 | $1.85B | $2.61B | 35.82% | 8.97% | 1.44% |
| Q3 2024 | $1.86B | $2.59B | 36.74% | 8.58% | 1.30% |
| Q4 2024 | $1.89B | $2.64B | 36.15% | 8.36% | 1.38% |
| Q1 2025 | $1.89B | $2.59B | 36.07% | 8.48% | 1.34% |
| Q2 2025 | $1.88B | $2.56B | 35.33% | 8.86% | 1.60% |
| Q3 2025 | $1.91B | $2.53B | 34.63% | 9.78% | 1.52% |
| Q4 2025 | $1.90B | $2.72B | 34.79% | 9.66% | 1.62% |
| Q1 2026 | $1.92B | $2.53B | 36.29% | 9.71% | 1.73% |
| Q2 2026 | $1.97B | $2.60B | 35.64% | 11.28% | 1.75% |
Jefferson Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jefferson 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 Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16470) · FFIEC NIC profile (RSSD 45560)