The National Bank of Andrews: 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 Commercial and industrial: 3.84 percentage points lower than in Q1 2026, at 43.11%. Within Texas, The National Bank of Andrews is 162nd of 346 on loan-to-deposit ratio, 74.50% as of Q2 2026, above the middle of the field. The National Bank of Andrews reported 74.50% on loan-to-deposit ratio for Q2 2026, 6.34 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $222.2M |
| Net loans and leases | $218.9M |
| Loans held for sale | $0 |
| Loans to total assets | 65.25% |
| Loan-to-deposit ratio | 74.50% |
| Net loans to equity capital | 6.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.10% |
| Multifamily (5+ residential) | 0.20% |
| Commercial and industrial | 43.11% |
| Consumer | 4.24% |
| Credit cards | 0.00% |
| Farm | 0.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.06% |
| Construction concentration (Tier 1 capital + allowance) | 26.70% |
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 | 7.36% |
| Interest income on loans | $4.2M |
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 | $190.8M | $259.5M | 34.86% | 42.84% | 4.52% |
| Q4 2023 | $186.2M | $275.4M | 33.60% | 43.12% | 4.60% |
| Q1 2024 | $193.1M | $264.1M | 34.82% | 42.65% | 4.43% |
| Q2 2024 | $206.6M | $259.6M | 33.17% | 44.96% | 4.33% |
| Q3 2024 | $205.5M | $257.9M | 33.77% | 44.61% | 4.32% |
| Q4 2024 | $208.0M | $260.0M | 33.42% | 45.74% | 4.07% |
| Q1 2025 | $210.7M | $252.8M | 32.11% | 47.25% | 4.11% |
| Q2 2025 | $214.1M | $246.7M | 32.04% | 47.62% | 4.14% |
| Q3 2025 | $218.3M | $278.6M | 30.93% | 48.27% | 4.14% |
| Q4 2025 | $221.5M | $285.5M | 31.39% | 46.01% | 4.47% |
| Q1 2026 | $228.9M | $292.2M | 30.99% | 46.95% | 3.92% |
| Q2 2026 | $222.2M | $298.2M | 33.10% | 43.11% | 4.24% |
The National Bank of Andrews loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Andrews, 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 National Bank of Andrews profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17603) · FFIEC NIC profile (RSSD 488653)