One World 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 18.08 percentage points in Q2 2026, from 332.04% to 350.12%. It was the largest change from Q1 2026 among the key lines here. One World Bank ranks 45th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 91.44% (Q2 2026). One World Bank reported 91.44% on loan-to-deposit ratio for Q2 2026, 10.60 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $224.1M |
| Net loans and leases | $220.9M |
| Loans held for sale | $0 |
| Loans to total assets | 77.23% |
| Loan-to-deposit ratio | 91.44% |
| Net loans to equity capital | 5.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 65.47% |
| Multifamily (5+ residential) | 1.47% |
| Commercial and industrial | 2.82% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 1.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 350.12% |
| Construction concentration (Tier 1 capital + allowance) | 156.56% |
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 | 7.97% |
| Interest income on loans | $4.5M |
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 | $138.8M | $157.9M | 77.07% | 9.43% | 0.03% |
| Q4 2023 | $137.7M | $174.9M | 75.48% | 7.97% | 0.03% |
| Q1 2024 | $157.2M | $179.3M | 70.62% | 7.52% | 0.03% |
| Q2 2024 | $166.1M | $173.7M | 67.35% | 8.29% | 0.16% |
| Q3 2024 | $180.0M | $209.5M | 64.40% | 7.82% | 0.15% |
| Q4 2024 | $192.9M | $208.3M | 63.99% | 7.24% | 0.04% |
| Q1 2025 | $202.4M | $226.5M | 62.47% | 7.30% | 0.02% |
| Q2 2025 | $207.3M | $235.5M | 61.40% | 6.62% | 0.11% |
| Q3 2025 | $218.5M | $234.7M | 62.97% | 5.61% | 0.10% |
| Q4 2025 | $215.3M | $245.7M | 62.73% | 5.74% | 0.09% |
| Q1 2026 | $217.3M | $239.7M | 61.89% | 4.45% | 0.10% |
| Q2 2026 | $224.1M | $245.0M | 65.47% | 2.82% | 0.23% |
One World Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock One World 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 One World Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57901) · FFIEC NIC profile (RSSD 3296859)