Pegasus 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 CRE concentration (Tier 1 capital + allowance): 15.48 percentage points lower than in Q1 2026, at 182.44%. Pegasus Bank ranks 177th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 72.63% (Q2 2026). Pegasus Bank reported 72.63% on loan-to-deposit ratio for Q2 2026, 15.57 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $923.5M |
| Net loans and leases | $912.2M |
| Loans held for sale | $0 |
| Loans to total assets | 63.33% |
| Loan-to-deposit ratio | 72.63% |
| Net loans to equity capital | 5.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.46% |
| Multifamily (5+ residential) | 1.20% |
| Commercial and industrial | 31.62% |
| Consumer | 3.27% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.44% |
| Construction concentration (Tier 1 capital + allowance) | 84.53% |
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 | — |
| Interest income on loans | $15.9M |
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 | $775.8M | $1.11B | 28.17% | 33.06% | 3.46% |
| Q4 2023 | $803.3M | $1.08B | 26.78% | 32.19% | 3.11% |
| Q1 2024 | $812.3M | $1.12B | 25.50% | 34.29% | 2.19% |
| Q2 2024 | $829.8M | $1.16B | 26.39% | 36.60% | 2.09% |
| Q3 2024 | $870.1M | $1.30B | 25.80% | 37.25% | 1.97% |
| Q4 2024 | $886.8M | $1.20B | 23.95% | 37.72% | 2.90% |
| Q1 2025 | $888.6M | $1.30B | 25.53% | 34.73% | 2.99% |
| Q2 2025 | $887.5M | $1.27B | 25.41% | 33.72% | 2.73% |
| Q3 2025 | $927.6M | $1.36B | 24.27% | 30.29% | 2.66% |
| Q4 2025 | $947.5M | $1.36B | 26.16% | 31.85% | 2.62% |
| Q1 2026 | $946.8M | $1.31B | 26.12% | 31.77% | 2.96% |
| Q2 2026 | $923.5M | $1.27B | 24.46% | 31.62% | 3.27% |
Pegasus Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pegasus 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 Pegasus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58483) · FFIEC NIC profile (RSSD 3465392)