Lamar 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.
Construction concentration (tier 1 capital + allowance) climbed 8.45 percentage points in Q2 2026, from 53.96% to 62.41%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Lamar National Bank is 215th of 346 on loan-to-deposit ratio, 65.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lamar National Bank sits 15.01 points lower, at 65.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $221.1M |
| Net loans and leases | $218.0M |
| Loans held for sale | $0 |
| Loans to total assets | 58.82% |
| Loan-to-deposit ratio | 65.83% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.66% |
| Multifamily (5+ residential) | 4.39% |
| Commercial and industrial | 6.79% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 2.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 185.73% |
| Construction concentration (Tier 1 capital + allowance) | 62.41% |
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 | — |
| Interest income on loans | $4.2M |
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 | $210.3M | $322.8M | 26.68% | 8.28% | 1.29% |
| Q4 2023 | $217.7M | $325.5M | 26.29% | 7.98% | 1.13% |
| Q1 2024 | $232.6M | $325.0M | 26.87% | 8.03% | 0.77% |
| Q2 2024 | $233.6M | $337.9M | 27.75% | 6.63% | 0.73% |
| Q3 2024 | $232.1M | $317.3M | 26.60% | 7.87% | 0.55% |
| Q4 2024 | $238.2M | $332.4M | 27.01% | 6.93% | 1.23% |
| Q1 2025 | $240.0M | $315.2M | 27.50% | 6.52% | 0.77% |
| Q2 2025 | $238.8M | $322.1M | 29.14% | 9.69% | 0.84% |
| Q3 2025 | $229.5M | $330.9M | 31.39% | 7.78% | 0.94% |
| Q4 2025 | $243.2M | $327.6M | 36.36% | 7.33% | 0.77% |
| Q1 2026 | $230.2M | $353.6M | 36.52% | 7.77% | 0.71% |
| Q2 2026 | $221.1M | $335.9M | 36.66% | 6.79% | 0.74% |
Lamar National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lamar 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 Lamar National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23597) · FFIEC NIC profile (RSSD 2161)