Primebank of Texas: 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): 8.86 percentage points lower than in Q1 2026, at 76.51%. Within Texas, Primebank of Texas is 150th of 346 on loan-to-deposit ratio, 76.22% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Primebank of Texas sits 4.61 points lower, at 76.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $186.2M |
| Net loans and leases | $184.2M |
| Loans held for sale | $0 |
| Loans to total assets | 66.55% |
| Loan-to-deposit ratio | 76.22% |
| Net loans to equity capital | 5.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.96% |
| Multifamily (5+ residential) | 3.65% |
| Commercial and industrial | 13.72% |
| Consumer | 0.58% |
| Credit cards | 0.00% |
| Farm | 5.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.95% |
| Construction concentration (Tier 1 capital + allowance) | 76.51% |
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 | $3.6M |
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 | $94.1M | $145.5M | 38.34% | 11.63% | 0.60% |
| Q4 2023 | $100.9M | $155.1M | 42.41% | 12.41% | 0.55% |
| Q1 2024 | $106.6M | $156.5M | 42.51% | 11.80% | 0.58% |
| Q2 2024 | $111.8M | $163.0M | 45.52% | 11.62% | 0.54% |
| Q3 2024 | $116.4M | $171.1M | 44.10% | 12.53% | 0.54% |
| Q4 2024 | $123.5M | $185.6M | 42.54% | 13.76% | 0.69% |
| Q1 2025 | $126.1M | $193.3M | 41.88% | 14.33% | 0.72% |
| Q2 2025 | $145.3M | $194.3M | 42.24% | 14.26% | 0.79% |
| Q3 2025 | $159.6M | $231.5M | 43.50% | 15.00% | 0.78% |
| Q4 2025 | $167.8M | $257.0M | 46.30% | 17.26% | 0.66% |
| Q1 2026 | $175.3M | $241.3M | 42.18% | 15.73% | 0.62% |
| Q2 2026 | $186.2M | $244.2M | 44.96% | 13.72% | 0.58% |
Primebank of Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Primebank of Texas, 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 Primebank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57495) · FFIEC NIC profile (RSSD 3134399)