Lovelady 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.
Cre concentration (tier 1 capital + allowance) climbed 3.91 percentage points in Q2 2026, from 17.08% to 20.99%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Lovelady State Bank is 272nd of 346 on loan-to-deposit ratio, 52.51% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Lovelady State Bank sits 15.11 points lower, at 52.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.6M |
| Net loans and leases | $23.2M |
| Loans held for sale | $0 |
| Loans to total assets | 44.88% |
| Loan-to-deposit ratio | 52.51% |
| Net loans to equity capital | 3.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.89% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 21.23% |
| Consumer | 22.05% |
| Credit cards | 0.00% |
| Farm | 2.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.99% |
| Construction concentration (Tier 1 capital + allowance) | 9.90% |
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 | 7.93% |
| Interest income on loans | $467K |
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 | $21.8M | $44.7M | 9.00% | 21.92% | 21.67% |
| Q4 2023 | $22.7M | $43.9M | 10.00% | 23.99% | 21.71% |
| Q1 2024 | $22.8M | $42.4M | 13.11% | 22.36% | 21.23% |
| Q2 2024 | $22.4M | $43.5M | 12.34% | 21.60% | 22.60% |
| Q3 2024 | $22.7M | $46.1M | 12.82% | 21.23% | 22.96% |
| Q4 2024 | $23.1M | $45.4M | 13.78% | 21.45% | 22.35% |
| Q1 2025 | $23.6M | $48.5M | 13.32% | 22.52% | 22.66% |
| Q2 2025 | $23.5M | $47.7M | 13.37% | 22.61% | 22.84% |
| Q3 2025 | $23.9M | $47.3M | 12.61% | 22.80% | 22.38% |
| Q4 2025 | $24.1M | $47.9M | 13.50% | 21.62% | 22.49% |
| Q1 2026 | $23.6M | $46.2M | 12.56% | 21.65% | 22.34% |
| Q2 2026 | $23.6M | $44.9M | 11.89% | 21.23% | 22.05% |
Lovelady State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lovelady 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 Lovelady State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21807) · FFIEC NIC profile (RSSD 764151)