The Perryton National 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 Commercial real estate (nonfarm nonresidential): 4.44 percentage points higher than in Q1 2026, at 14.68%. Within Texas, The Perryton National Bank is 264th of 346 on loan-to-deposit ratio, 54.86% 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 Perryton National Bank sits 25.98 points lower, at 54.86% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $99.4M |
| Net loans and leases | $97.2M |
| Loans held for sale | $0 |
| Loans to total assets | 46.73% |
| Loan-to-deposit ratio | 54.86% |
| Net loans to equity capital | 3.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.68% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.98% |
| Consumer | 12.74% |
| Credit cards | 0.00% |
| Farm | 7.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.50% |
| Construction concentration (Tier 1 capital + allowance) | 17.82% |
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 | 7.49% |
| Interest income on loans | $1.8M |
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 | $75.0M | $161.6M | 8.78% | 21.32% | 16.46% |
| Q4 2023 | $77.1M | $161.3M | 8.46% | 21.16% | 16.39% |
| Q1 2024 | $80.7M | $166.4M | 8.04% | 22.24% | 15.16% |
| Q2 2024 | $83.7M | $159.9M | 9.77% | 21.33% | 15.02% |
| Q3 2024 | $85.3M | $154.9M | 10.02% | 20.34% | 15.25% |
| Q4 2024 | $90.2M | $160.6M | 9.58% | 19.37% | 15.10% |
| Q1 2025 | $94.3M | $166.5M | 9.59% | 20.30% | 13.67% |
| Q2 2025 | $94.6M | $162.4M | 10.25% | 21.35% | 12.86% |
| Q3 2025 | $98.3M | $167.2M | 10.43% | 21.73% | 15.11% |
| Q4 2025 | $95.2M | $173.7M | 8.95% | 18.14% | 15.42% |
| Q1 2026 | $92.1M | $173.6M | 10.23% | 17.94% | 13.28% |
| Q2 2026 | $99.4M | $181.1M | 14.68% | 15.98% | 12.74% |
The Perryton National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Perryton National 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 Perryton National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3388) · FFIEC NIC profile (RSSD 8462)