Producer Bank 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 CRE concentration (Tier 1 capital + allowance): 13.19 percentage points higher than in Q1 2026, at 34.88%. Within Texas, Producer Bank of Texas is 245th of 346 on loan-to-deposit ratio, 60.19% as of Q2 2026, below the middle of the field. Producer Bank of Texas reported 60.19% on loan-to-deposit ratio for Q2 2026, 7.73 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $26.0M |
| Net loans and leases | $25.2M |
| Loans held for sale | $0 |
| Loans to total assets | 44.32% |
| Loan-to-deposit ratio | 60.19% |
| Net loans to equity capital | 1.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.99% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 34.95% |
| Consumer | 9.86% |
| Credit cards | 0.00% |
| Farm | 5.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.88% |
| Construction concentration (Tier 1 capital + allowance) | 17.63% |
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 | 7.53% |
| Interest income on loans | $477K |
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 | $20.1M | $28.9M | 12.28% | 26.84% | 20.94% |
| Q4 2023 | $19.4M | $28.3M | 11.74% | 28.02% | 20.27% |
| Q1 2024 | $18.6M | $31.1M | 13.06% | 25.74% | 19.78% |
| Q2 2024 | $18.5M | $28.1M | 13.78% | 25.99% | 19.05% |
| Q3 2024 | $18.0M | $27.9M | 15.59% | 26.03% | 17.48% |
| Q4 2024 | $16.7M | $33.0M | 16.20% | 27.70% | 17.18% |
| Q1 2025 | $16.0M | $34.4M | 16.51% | 27.27% | 15.75% |
| Q2 2025 | $17.0M | $32.0M | 22.82% | 26.02% | 14.25% |
| Q3 2025 | $20.0M | $33.5M | 19.64% | 37.19% | 11.92% |
| Q4 2025 | $20.1M | $37.7M | 22.24% | 31.22% | 11.86% |
| Q1 2026 | $23.9M | $42.3M | 23.12% | 32.80% | 10.04% |
| Q2 2026 | $26.0M | $43.3M | 23.99% | 34.95% | 9.86% |
Producer Bank of Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Producer Bank 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 Producer Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18302) · FFIEC NIC profile (RSSD 856869)