Llano 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.85 percentage points higher than in Q1 2026, at 65.29%. Within Texas, Llano National Bank is 216th of 346 on loan-to-deposit ratio, 65.29% as of Q2 2026, below the middle of the field. Llano National Bank reported 65.29% on loan-to-deposit ratio for Q2 2026, 15.54 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $173.6M |
| Net loans and leases | $170.3M |
| Loans held for sale | $0 |
| Loans to total assets | 57.67% |
| Loan-to-deposit ratio | 65.29% |
| Net loans to equity capital | 5.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.54% |
| Multifamily (5+ residential) | 0.23% |
| Commercial and industrial | 3.40% |
| Consumer | 2.36% |
| Credit cards | 0.00% |
| Farm | 12.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.25% |
| Construction concentration (Tier 1 capital + allowance) | 68.40% |
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 | 7.06% |
| Interest income on loans | $3.1M |
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 | $163.6M | $274.2M | 20.04% | 4.82% | 4.25% |
| Q4 2023 | $165.8M | $268.7M | 20.49% | 4.61% | 3.88% |
| Q1 2024 | $164.9M | $257.1M | 20.65% | 4.53% | 3.73% |
| Q2 2024 | $158.4M | $258.1M | 21.83% | 3.34% | 3.74% |
| Q3 2024 | $162.6M | $255.8M | 22.11% | 3.26% | 3.47% |
| Q4 2024 | $162.9M | $255.0M | 22.38% | 3.00% | 3.13% |
| Q1 2025 | $171.4M | $265.7M | 22.83% | 3.04% | 2.85% |
| Q2 2025 | $166.9M | $268.3M | 23.72% | 3.03% | 2.78% |
| Q3 2025 | $166.4M | $261.5M | 23.55% | 3.07% | 2.65% |
| Q4 2025 | $165.6M | $286.2M | 21.74% | 3.44% | 2.44% |
| Q1 2026 | $175.7M | $276.9M | 22.25% | 3.28% | 2.15% |
| Q2 2026 | $173.6M | $265.9M | 22.54% | 3.40% | 2.36% |
Llano National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Llano 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 Llano National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24305) · FFIEC NIC profile (RSSD 946555)