Producer Bank of Texas: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Net charge-off ratio climbed 0.80 percentage points in Q2 2026, from -1.14% to -0.33%. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $309K |
| Modified loans to total loans | 1.19% |
| Non-performing assets excluding restructured loans, to assets | 0.26% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 1.77% |
| Nonaccrual loans to loans | 0.58% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | -0.33% |
| Allowance for credit losses to loans | 3.07% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 1.74% | 2.70% | 0.37% |
| Q4 2023 | 2.72% | 3.84% | 0.37% |
| Q1 2024 | 2.54% | 4.08% | 2.27% |
| Q2 2024 | 2.45% | 3.85% | 0.11% |
| Q3 2024 | 1.48% | 2.85% | 0.11% |
| Q4 2024 | 2.85% | 10.42% | -2.79% |
| Q1 2025 | 2.43% | 9.98% | 1.22% |
| Q2 2025 | 2.12% | 7.37% | 1.53% |
| Q3 2025 | 1.75% | 6.05% | 0.06% |
| Q4 2025 | 1.64% | 2.47% | 11.57% |
| Q1 2026 | 1.36% | 2.04% | -1.14% |
| Q2 2026 | 1.19% | 1.77% | -0.33% |
Producer Bank of Texas loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Producer Bank of Texas, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)