National Bank & Trust: 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) dropped 2.11 percentage points in Q2 2026, from 222.92% to 220.81%. It was the largest change from Q1 2026 among the key lines here. National Bank & Trust ranks 214th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 66.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. National Bank & Trust sits 14.84 points lower, at 66.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $134.3M |
| Net loans and leases | $132.7M |
| Loans held for sale | $0 |
| Loans to total assets | 55.50% |
| Loan-to-deposit ratio | 66.00% |
| Net loans to equity capital | 6.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.61% |
| Multifamily (5+ residential) | 1.48% |
| Commercial and industrial | 2.41% |
| Consumer | 3.02% |
| Credit cards | 0.00% |
| Farm | 5.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 220.81% |
| Construction concentration (Tier 1 capital + allowance) | 118.53% |
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 | 6.88% |
| Interest income on loans | $2.3M |
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 | $126.1M | $172.5M | 28.92% | 2.09% | 3.55% |
| Q4 2023 | $127.5M | $175.9M | 28.45% | 2.10% | 3.40% |
| Q1 2024 | $123.9M | $176.9M | 26.65% | 2.23% | 3.30% |
| Q2 2024 | $119.0M | $175.8M | 27.50% | 2.18% | 3.70% |
| Q3 2024 | $119.9M | $179.1M | 31.23% | 1.62% | 3.41% |
| Q4 2024 | $119.1M | $181.9M | 31.24% | 1.52% | 3.20% |
| Q1 2025 | $130.4M | $185.2M | 34.58% | 1.52% | 2.50% |
| Q2 2025 | $131.8M | $185.5M | 35.52% | 1.49% | 2.40% |
| Q3 2025 | $131.0M | $189.9M | 32.51% | 1.18% | 2.84% |
| Q4 2025 | $132.5M | $196.1M | 31.05% | 2.29% | 2.92% |
| Q1 2026 | $135.7M | $203.9M | 32.11% | 2.22% | 2.89% |
| Q2 2026 | $134.3M | $203.5M | 30.61% | 2.41% | 3.02% |
National Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank & Trust, 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 National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3289) · FFIEC NIC profile (RSSD 792659)