Junction 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.
Loan-to-deposit ratio climbed 0.78 percentage points in Q2 2026, from 24.58% to 25.36%. It was the largest change from Q1 2026 among the key lines here. Junction National Bank has the 17th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 25.36% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Junction National Bank reported 25.36% on loan-to-deposit ratio in Q2 2026, 42.27 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.5M |
| Net loans and leases | $21.1M |
| Loans held for sale | $0 |
| Loans to total assets | 23.07% |
| Loan-to-deposit ratio | 25.36% |
| Net loans to equity capital | 2.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.03% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.50% |
| Consumer | 6.77% |
| Credit cards | 0.00% |
| Farm | 29.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.06% |
| Construction concentration (Tier 1 capital + allowance) | 2.06% |
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 | 7.15% |
| Interest income on loans | $381K |
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 | $20.6M | $82.1M | 12.26% | 9.71% | 9.46% |
| Q4 2023 | $20.8M | $83.3M | 11.97% | 8.69% | 9.45% |
| Q1 2024 | $20.0M | $80.7M | 12.32% | 8.77% | 7.05% |
| Q2 2024 | $20.2M | $81.7M | 12.50% | 8.74% | 6.98% |
| Q3 2024 | $21.7M | $80.8M | 18.21% | 7.44% | 6.80% |
| Q4 2024 | $21.9M | $79.9M | 17.55% | 7.28% | 6.48% |
| Q1 2025 | $21.6M | $81.2M | 15.17% | 8.15% | 6.02% |
| Q2 2025 | $21.4M | $82.3M | 14.56% | 8.24% | 5.70% |
| Q3 2025 | $20.9M | $84.5M | 14.48% | 8.32% | 6.40% |
| Q4 2025 | $21.1M | $86.4M | 14.13% | 7.90% | 5.88% |
| Q1 2026 | $21.4M | $87.0M | 13.37% | 8.47% | 6.21% |
| Q2 2026 | $21.5M | $84.6M | 13.03% | 8.50% | 6.77% |
Junction National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Junction 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 Junction National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15078) · FFIEC NIC profile (RSSD 741152)