The Pecos County State 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.
Loan-to-deposit ratio climbed 3.04 percentage points in Q2 2026, from 39.90% to 42.94%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Pecos County State Bank is 292nd of 346 on loan-to-deposit ratio, 42.94% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Pecos County State Bank sits 37.89 points lower, at 42.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $120.5M |
| Net loans and leases | $118.4M |
| Loans held for sale | $0 |
| Loans to total assets | 38.95% |
| Loan-to-deposit ratio | 42.94% |
| Net loans to equity capital | 4.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.95% |
| Multifamily (5+ residential) | 0.54% |
| Commercial and industrial | 13.41% |
| Consumer | 7.34% |
| Credit cards | 0.00% |
| Farm | 2.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.78% |
| Construction concentration (Tier 1 capital + allowance) | 0.69% |
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 | 7.41% |
| Interest income on loans | $2.2M |
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 | $118.9M | $291.7M | 45.36% | 21.81% | 9.37% |
| Q4 2023 | $121.2M | $303.6M | 45.25% | 23.18% | 8.90% |
| Q1 2024 | $126.2M | $292.4M | 45.52% | 22.12% | 8.59% |
| Q2 2024 | $128.5M | $297.5M | 45.74% | 21.96% | 8.39% |
| Q3 2024 | $131.6M | $295.4M | 46.07% | 20.95% | 7.77% |
| Q4 2024 | $136.1M | $300.9M | 46.31% | 19.37% | 7.49% |
| Q1 2025 | $130.3M | $302.9M | 46.41% | 18.10% | 7.18% |
| Q2 2025 | $129.9M | $279.9M | 47.29% | 17.49% | 7.19% |
| Q3 2025 | $128.4M | $267.1M | 47.61% | 16.64% | 7.14% |
| Q4 2025 | $123.5M | $270.9M | 49.20% | 15.95% | 7.34% |
| Q1 2026 | $117.4M | $294.3M | 51.42% | 14.93% | 7.56% |
| Q2 2026 | $120.5M | $280.7M | 51.95% | 13.41% | 7.34% |
The Pecos County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pecos County State 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 The Pecos County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13006) · FFIEC NIC profile (RSSD 396954)