The Lytle State Bank of Lytle, Texas: 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.
Consumer dropped 1.91 percentage points in Q2 2026, from 38.55% to 36.63%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Lytle State Bank of Lytle, Texas is 294th of 346 on loan-to-deposit ratio, 42.76% as of Q2 2026, below the middle of the field. The Lytle State Bank of Lytle, Texas reported 42.76% on loan-to-deposit ratio for Q2 2026, 38.08 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.2M |
| Net loans and leases | $42.8M |
| Loans held for sale | $0 |
| Loans to total assets | 37.71% |
| Loan-to-deposit ratio | 42.76% |
| Net loans to equity capital | 3.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.82% |
| Multifamily (5+ residential) | 0.98% |
| Commercial and industrial | 20.75% |
| Consumer | 36.63% |
| Credit cards | 0.00% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.77% |
| Construction concentration (Tier 1 capital + allowance) | 16.89% |
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 | — |
| Interest income on loans | $873K |
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 | $42.9M | $103.9M | 3.87% | 22.05% | 46.32% |
| Q4 2023 | $43.7M | $100.7M | 4.39% | 22.26% | 45.82% |
| Q1 2024 | $43.8M | $102.0M | 4.34% | 22.24% | 46.49% |
| Q2 2024 | $44.8M | $99.2M | 4.35% | 22.41% | 45.92% |
| Q3 2024 | $45.5M | $94.4M | 4.24% | 22.29% | 44.73% |
| Q4 2024 | $45.4M | $97.5M | 5.18% | 21.97% | 43.15% |
| Q1 2025 | $44.9M | $97.9M | 5.19% | 21.50% | 43.29% |
| Q2 2025 | $44.3M | $94.3M | 5.25% | 21.57% | 42.73% |
| Q3 2025 | $43.8M | $90.7M | 5.26% | 21.15% | 42.02% |
| Q4 2025 | $43.9M | $91.9M | 7.03% | 20.19% | 40.57% |
| Q1 2026 | $42.8M | $98.9M | 6.54% | 20.85% | 38.55% |
| Q2 2026 | $43.2M | $101.1M | 6.82% | 20.75% | 36.63% |
The Lytle State Bank of Lytle, Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lytle State Bank of Lytle, Texas, 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 Lytle State Bank of Lytle, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15501) · FFIEC NIC profile (RSSD 830252)