Kleberg Bank, N.A.: 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) climbed 12.49 percentage points in Q2 2026, from 212.11% to 224.60%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Kleberg Bank, N.A. is 140th of 346 on loan-to-deposit ratio, 78.21% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Kleberg Bank, N.A. sits 2.63 points lower, at 78.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $512.7M |
| Net loans and leases | $506.3M |
| Loans held for sale | $0 |
| Loans to total assets | 69.58% |
| Loan-to-deposit ratio | 78.21% |
| Net loans to equity capital | 6.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.91% |
| Multifamily (5+ residential) | 1.86% |
| Commercial and industrial | 17.60% |
| Consumer | 14.74% |
| Credit cards | 0.00% |
| Farm | 2.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 224.60% |
| Construction concentration (Tier 1 capital + allowance) | 51.37% |
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 | 6.70% |
| Interest income on loans | $8.6M |
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 | $402.3M | $618.0M | 29.07% | 18.43% | 14.91% |
| Q4 2023 | $417.5M | $620.6M | 29.79% | 18.07% | 14.32% |
| Q1 2024 | $425.9M | $655.9M | 30.17% | 18.08% | 14.88% |
| Q2 2024 | $432.9M | $629.8M | 31.59% | 17.08% | 14.67% |
| Q3 2024 | $442.0M | $621.6M | 31.98% | 18.74% | 14.62% |
| Q4 2024 | $474.8M | $612.6M | 31.77% | 17.94% | 16.66% |
| Q1 2025 | $483.2M | $631.5M | 31.51% | 16.80% | 17.69% |
| Q2 2025 | $488.4M | $626.8M | 31.29% | 16.99% | 17.12% |
| Q3 2025 | $491.4M | $631.7M | 31.17% | 17.27% | 16.56% |
| Q4 2025 | $498.5M | $657.9M | 32.03% | 17.46% | 15.69% |
| Q1 2026 | $503.9M | $662.7M | 33.00% | 17.84% | 15.05% |
| Q2 2026 | $512.7M | $655.5M | 34.91% | 17.60% | 14.74% |
Kleberg Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kleberg Bank, N.A., 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 Kleberg Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3286) · FFIEC NIC profile (RSSD 556459)