Pavillion 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): 21.78 percentage points higher than in Q1 2026, at 128.20%. Among 346 Texas banks, Pavillion Bank sits 21st from the top on loan-to-deposit ratio, 98.39% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Pavillion Bank sits 30.77 points higher, at 98.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $63.2M |
| Net loans and leases | $62.4M |
| Loans held for sale | $0 |
| Loans to total assets | 80.61% |
| Loan-to-deposit ratio | 98.39% |
| Net loans to equity capital | 5.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.82% |
| Multifamily (5+ residential) | 0.78% |
| Commercial and industrial | 6.73% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.44% |
| Construction concentration (Tier 1 capital + allowance) | 128.20% |
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 | 7.58% |
| Interest income on loans | $1.1M |
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 | $52.2M | $56.0M | 28.35% | 8.47% | 0.97% |
| Q4 2023 | $54.1M | $56.7M | 30.36% | 7.13% | 1.21% |
| Q1 2024 | $54.0M | $57.2M | 30.28% | 7.05% | 1.18% |
| Q2 2024 | $49.1M | $56.2M | 25.69% | 6.25% | 1.32% |
| Q3 2024 | $48.5M | $58.0M | 25.85% | 6.50% | 1.19% |
| Q4 2024 | $53.0M | $56.5M | 26.43% | 5.89% | 1.33% |
| Q1 2025 | $55.5M | $59.5M | 25.06% | 5.31% | 1.23% |
| Q2 2025 | $52.9M | $59.3M | 27.23% | 5.61% | 1.22% |
| Q3 2025 | $57.2M | $60.7M | 25.01% | 5.66% | 0.90% |
| Q4 2025 | $57.7M | $60.5M | 25.43% | 7.04% | 0.89% |
| Q1 2026 | $60.1M | $62.3M | 24.26% | 6.78% | 0.95% |
| Q2 2026 | $63.2M | $64.2M | 21.82% | 6.73% | 0.84% |
Pavillion Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pavillion 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 Pavillion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24303) · FFIEC NIC profile (RSSD 500658)