Johnson City 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.
Cre concentration (tier 1 capital + allowance) dropped 1.90 percentage points in Q2 2026, from 33.42% to 31.52%. It was the largest change from Q1 2026 among the key lines here. Johnson City Bank ranks 201st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 67.67% (Q2 2026). Johnson City Bank reported 67.67% on loan-to-deposit ratio for Q2 2026, 13.17 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $87.2M |
| Net loans and leases | $86.2M |
| Loans held for sale | $0 |
| Loans to total assets | 59.38% |
| Loan-to-deposit ratio | 67.67% |
| Net loans to equity capital | 4.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.72% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.88% |
| Consumer | 7.85% |
| Credit cards | 0.00% |
| Farm | 1.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.52% |
| Construction concentration (Tier 1 capital + allowance) | 27.98% |
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 | 6.61% |
| Interest income on loans | $1.4M |
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 | $92.7M | $120.8M | 21.49% | 10.51% | 7.99% |
| Q4 2023 | $92.4M | $120.3M | 21.43% | 8.80% | 9.39% |
| Q1 2024 | $92.6M | $120.7M | 20.14% | 8.51% | 9.10% |
| Q2 2024 | $89.8M | $121.9M | 20.53% | 7.62% | 9.60% |
| Q3 2024 | $87.6M | $122.4M | 20.78% | 7.95% | 9.69% |
| Q4 2024 | $86.1M | $117.3M | 20.84% | 7.68% | 10.24% |
| Q1 2025 | $85.8M | $115.7M | 20.52% | 7.26% | 10.13% |
| Q2 2025 | $83.7M | $116.1M | 20.00% | 7.01% | 9.98% |
| Q3 2025 | $83.9M | $118.9M | 18.81% | 7.41% | 9.83% |
| Q4 2025 | $87.7M | $121.9M | 20.30% | 6.09% | 8.95% |
| Q1 2026 | $86.9M | $130.7M | 21.18% | 6.10% | 8.36% |
| Q2 2026 | $87.2M | $128.8M | 20.72% | 7.88% | 7.85% |
Johnson City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Johnson City 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 Johnson City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16176) · FFIEC NIC profile (RSSD 977652)