Pilgrim 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): 7.53 percentage points lower than in Q1 2026, at 28.88%. Pilgrim Bank ranks 126th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 80.47% (Q2 2026). At 80.47%, Pilgrim Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $465.5M |
| Net loans and leases | $460.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.14% |
| Loan-to-deposit ratio | 80.47% |
| Net loans to equity capital | 6.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.66% |
| Multifamily (5+ residential) | 1.53% |
| Commercial and industrial | 3.21% |
| Consumer | 0.78% |
| Credit cards | 0.00% |
| Farm | 18.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.94% |
| Construction concentration (Tier 1 capital + allowance) | 28.88% |
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 | 5.94% |
| Interest income on loans | $6.9M |
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 | $453.9M | $556.8M | 26.01% | 4.52% | 1.09% |
| Q4 2023 | $458.8M | $561.4M | 27.16% | 4.12% | 1.06% |
| Q1 2024 | $469.6M | $569.0M | 30.11% | 4.22% | 1.04% |
| Q2 2024 | $473.9M | $564.7M | 29.02% | 3.88% | 1.05% |
| Q3 2024 | $483.3M | $566.0M | 28.70% | 3.45% | 1.07% |
| Q4 2024 | $487.1M | $556.2M | 28.56% | 3.67% | 0.93% |
| Q1 2025 | $498.6M | $589.2M | 30.37% | 4.11% | 0.87% |
| Q2 2025 | $488.4M | $599.2M | 31.82% | 3.93% | 0.81% |
| Q3 2025 | $479.1M | $584.3M | 32.90% | 3.39% | 0.82% |
| Q4 2025 | $484.9M | $588.2M | 33.90% | 3.88% | 0.86% |
| Q1 2026 | $475.0M | $592.9M | 34.56% | 3.19% | 0.82% |
| Q2 2026 | $465.5M | $578.4M | 35.66% | 3.21% | 0.78% |
Pilgrim Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pilgrim 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 Pilgrim Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16891) · FFIEC NIC profile (RSSD 911160)