Lea County State 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 2.86 percentage points in Q2 2026, from 4.95% to 7.82%. It was the largest change from Q1 2026 among the key lines here. Lea County State Bank ranks 26th of 29 New Mexico banks on loan-to-deposit ratio, in the lower half at 35.17% (Q2 2026). Against a median of 80.55% for banks in the $100M-1B asset tier, Lea County State Bank reported 35.17% on loan-to-deposit ratio in Q2 2026, 45.38 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $233.0M |
| Net loans and leases | $229.5M |
| Loans held for sale | $170K |
| Loans to total assets | 31.56% |
| Loan-to-deposit ratio | 35.17% |
| Net loans to equity capital | 3.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.47% |
| Multifamily (5+ residential) | 0.03% |
| Commercial and industrial | 52.92% |
| Consumer | 8.02% |
| Credit cards | 0.17% |
| Farm | 1.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.73% |
| Construction concentration (Tier 1 capital + allowance) | 7.82% |
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 | 7.68% |
| Interest income on loans | $4.4M |
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 | $230.4M | $500.2M | 18.65% | 50.31% | 10.90% |
| Q4 2023 | $242.6M | $539.1M | 17.30% | 53.41% | 10.15% |
| Q1 2024 | $238.9M | $591.1M | 15.46% | 54.85% | 9.77% |
| Q2 2024 | $242.9M | $582.3M | 13.72% | 57.15% | 9.38% |
| Q3 2024 | $230.1M | $635.7M | 14.04% | 56.28% | 9.56% |
| Q4 2024 | $230.9M | $629.9M | 13.57% | 57.02% | 9.45% |
| Q1 2025 | $228.2M | $628.8M | 13.96% | 57.35% | 9.32% |
| Q2 2025 | $228.7M | $667.2M | 15.27% | 55.09% | 9.00% |
| Q3 2025 | $224.4M | $657.8M | 15.52% | 53.95% | 8.89% |
| Q4 2025 | $225.4M | $637.6M | 16.18% | 54.15% | 8.59% |
| Q1 2026 | $224.0M | $644.6M | 16.89% | 53.85% | 8.30% |
| Q2 2026 | $233.0M | $662.4M | 16.47% | 52.92% | 8.02% |
Lea County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lea County State 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 Lea County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12259) · FFIEC NIC profile (RSSD 1015252)