Maverick 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 Construction concentration (Tier 1 capital + allowance): 4.02 percentage points higher than in Q1 2026, at 61.76%. Within Texas, Maverick Bank is 224th of 346 on loan-to-deposit ratio, 63.98% as of Q2 2026. Maverick Bank reported 63.98% on loan-to-deposit ratio for Q2 2026, 16.57 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $454.6M |
| Net loans and leases | $449.0M |
| Loans held for sale | $0 |
| Loans to total assets | 56.19% |
| Loan-to-deposit ratio | 63.98% |
| Net loans to equity capital | 4.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.02% |
| Multifamily (5+ residential) | 0.91% |
| Commercial and industrial | 23.90% |
| Consumer | 1.13% |
| Credit cards | 0.00% |
| Farm | 11.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 198.01% |
| Construction concentration (Tier 1 capital + allowance) | 61.76% |
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 | 7.91% |
| Interest income on loans | $8.7M |
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 | $55.9M | $131.9M | 33.32% | 37.54% | 5.52% |
| Q4 2023 | $63.2M | $145.0M | 14.89% | 35.40% | 4.52% |
| Q1 2024 | $80.9M | $172.8M | 13.17% | 36.43% | 3.27% |
| Q2 2024 | $94.3M | $238.3M | 12.50% | 31.62% | 2.69% |
| Q3 2024 | $124.4M | $245.7M | 13.75% | 29.64% | 1.86% |
| Q4 2024 | $152.3M | $250.8M | 21.86% | 26.25% | 1.83% |
| Q1 2025 | $189.9M | $296.1M | 23.16% | 26.92% | 1.31% |
| Q2 2025 | $220.6M | $324.1M | 21.35% | 24.33% | 0.92% |
| Q3 2025 | $258.4M | $372.1M | 25.22% | 21.25% | 0.84% |
| Q4 2025 | $269.0M | $416.3M | 25.10% | 24.30% | 0.77% |
| Q1 2026 | $425.1M | $687.3M | 27.78% | 24.78% | 1.28% |
| Q2 2026 | $454.6M | $710.5M | 28.02% | 23.90% | 1.13% |
Maverick Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Maverick 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 Maverick Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17446) · FFIEC NIC profile (RSSD 455459)