The Liberty National Bank in Paris: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 9.99 percentage points higher than in Q1 2026, at 90.56%. Within Texas, The Liberty National Bank in Paris is 50th of 346 on loan-to-deposit ratio, 90.56% as of Q2 2026, above the middle of the field. The Liberty National Bank in Paris reported 90.56% on loan-to-deposit ratio for Q2 2026, 9.61 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $330.2M |
| Net loans and leases | $324.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.03% |
| Loan-to-deposit ratio | 90.56% |
| Net loans to equity capital | 5.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.25% |
| Multifamily (5+ residential) | 1.12% |
| Commercial and industrial | 12.44% |
| Consumer | 5.21% |
| Credit cards | 0.00% |
| Farm | 0.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.04% |
| Construction concentration (Tier 1 capital + allowance) | 25.29% |
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 | 6.37% |
| Interest income on loans | $5.2M |
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 | $289.1M | $356.1M | 22.36% | 10.89% | 6.55% |
| Q4 2023 | $290.9M | $360.3M | 22.69% | 9.60% | 6.52% |
| Q1 2024 | $299.4M | $383.3M | 21.71% | 10.48% | 6.16% |
| Q2 2024 | $309.1M | $375.7M | 21.26% | 11.15% | 6.07% |
| Q3 2024 | $313.0M | $371.4M | 20.37% | 11.38% | 5.89% |
| Q4 2024 | $311.3M | $388.1M | 20.86% | 11.09% | 5.66% |
| Q1 2025 | $316.8M | $401.9M | 20.81% | 11.97% | 5.32% |
| Q2 2025 | $321.8M | $413.2M | 20.69% | 11.61% | 5.41% |
| Q3 2025 | $318.4M | $386.8M | 19.48% | 11.89% | 5.31% |
| Q4 2025 | $317.0M | $408.8M | 19.45% | 11.96% | 5.31% |
| Q1 2026 | $318.4M | $395.2M | 20.50% | 11.96% | 5.19% |
| Q2 2026 | $330.2M | $364.7M | 20.25% | 12.44% | 5.21% |
The Liberty National Bank in Paris loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Liberty National Bank in Paris, 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 The Liberty National Bank in Paris profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3384) · FFIEC NIC profile (RSSD 1669)