PlainsCapital 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.
Cre concentration (tier 1 capital + allowance) climbed 7.76 percentage points in Q2 2026, from 259.18% to 266.94%. It was the largest change from Q1 2026 among the key lines here. PlainsCapital Bank ranks 74th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 87.01% (Q2 2026). At 87.01%, PlainsCapital Bank's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.27B |
| Net loans and leases | $9.19B |
| Loans held for sale | $1.00B |
| Loans to total assets | 73.08% |
| Loan-to-deposit ratio | 87.01% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.07% |
| Multifamily (5+ residential) | 3.93% |
| Commercial and industrial | 11.49% |
| Consumer | 0.27% |
| Credit cards | 0.00% |
| Farm | 1.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 266.94% |
| Construction concentration (Tier 1 capital + allowance) | 77.78% |
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 | $128.0M |
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 | $8.90B | $11.08B | 33.18% | 10.72% | 0.26% |
| Q4 2023 | $8.67B | $11.07B | 34.18% | 11.14% | 0.28% |
| Q1 2024 | $8.56B | $10.87B | 35.34% | 11.21% | 0.28% |
| Q2 2024 | $9.09B | $10.42B | 33.54% | 10.84% | 0.26% |
| Q3 2024 | $8.55B | $10.95B | 33.86% | 10.87% | 0.28% |
| Q4 2024 | $8.45B | $11.26B | 34.46% | 10.66% | 0.29% |
| Q1 2025 | $8.40B | $10.93B | 34.89% | 11.07% | 0.28% |
| Q2 2025 | $8.67B | $10.49B | 35.08% | 10.46% | 0.31% |
| Q3 2025 | $8.75B | $10.75B | 35.38% | 10.42% | 0.32% |
| Q4 2025 | $8.92B | $10.91B | 35.72% | 11.18% | 0.33% |
| Q1 2026 | $8.88B | $10.68B | 36.38% | 11.40% | 0.32% |
| Q2 2026 | $9.27B | $10.66B | 36.07% | 11.49% | 0.27% |
PlainsCapital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock PlainsCapital 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 PlainsCapital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17491) · FFIEC NIC profile (RSSD 637451)