Lexicon Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
Lexicon Bank reported all 18 line items on this page on its Q2 2026 filing. Total loans and leases was $201.5M in Q2 2026, up 13.5% from $177.5M in Q2 2025. That is 45.2% of its total assets. Across the 12 quarters shown it ranged from $156.0M (Q3 2023) to $203.3M (Q1 2026).
What the loan portfolio page covers and where each line comes from.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.68 percentage points higher than in Q1 2026, at 16.35%. Lexicon Bank has the 3rd lowest loan-to-deposit ratio of the 14 banks headquartered in Nevada, at 50.37% as of Q2 2026. Lexicon Bank reported 50.37% on loan-to-deposit ratio for Q2 2026, 30.19 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.5M |
| Net loans and leases | $198.2M |
| Loans held for sale | $1.4M |
| Loans to total assets | 45.16% |
| Loan-to-deposit ratio | 50.37% |
| Net loans to equity capital | 4.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 75.01% |
| Multifamily (5+ residential) | 3.43% |
| Commercial and industrial | 10.84% |
| Consumer | 4.40% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 166.58% |
| Construction concentration (Tier 1 capital + allowance) | 16.35% |
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 | 7.25% |
| Interest income on loans | $3.6M |
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 | $156.0M | $221.6M | 58.64% | 22.03% | 6.24% |
| Q4 2023 | $168.9M | $236.9M | 61.97% | 19.90% | 7.80% |
| Q1 2024 | $165.6M | $231.3M | 61.05% | 18.50% | 8.57% |
| Q2 2024 | $164.7M | $260.9M | 69.23% | 14.30% | 8.97% |
| Q3 2024 | $167.8M | $258.4M | 68.21% | 13.30% | 9.33% |
| Q4 2024 | $172.4M | $256.4M | 71.09% | 12.01% | 9.12% |
| Q1 2025 | $176.5M | $369.2M | 72.66% | 10.97% | 8.89% |
| Q2 2025 | $177.5M | $352.6M | 77.44% | 7.20% | 8.14% |
| Q3 2025 | $191.3M | $398.5M | 80.37% | 6.88% | 6.59% |
| Q4 2025 | $196.7M | $388.4M | 78.77% | 8.76% | 5.60% |
| Q1 2026 | $203.3M | $414.0M | 78.04% | 8.81% | 4.88% |
| Q2 2026 | $201.5M | $400.1M | 75.01% | 10.84% | 4.40% |
Lexicon Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lexicon Bank, freeSource: Call Report Schedule RC-C, Q2 2026. How these pages are built. See the full Lexicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59117) · FFIEC NIC profile (RSSD 5412457)