Round Top State 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.
Construction concentration (tier 1 capital + allowance) dropped 8.78 percentage points in Q2 2026, from 81.84% to 73.06%. It was the largest change from Q1 2026 among the key lines here. Round Top State Bank ranks 196th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 68.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Round Top State Bank sits 11.94 points lower, at 68.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $599.6M |
| Net loans and leases | $594.2M |
| Loans held for sale | $0 |
| Loans to total assets | 61.56% |
| Loan-to-deposit ratio | 68.90% |
| Net loans to equity capital | 5.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.10% |
| Multifamily (5+ residential) | 0.49% |
| Commercial and industrial | 3.74% |
| Consumer | 2.88% |
| Credit cards | 0.00% |
| Farm | 10.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.43% |
| Construction concentration (Tier 1 capital + allowance) | 73.06% |
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 | 6.08% |
| Interest income on loans | $9.1M |
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 | $537.9M | $782.9M | 19.02% | 3.13% | 2.76% |
| Q4 2023 | $552.8M | $801.8M | 18.65% | 3.20% | 2.84% |
| Q1 2024 | $565.2M | $800.6M | 22.10% | 3.40% | 2.83% |
| Q2 2024 | $574.8M | $793.5M | 21.91% | 3.38% | 2.73% |
| Q3 2024 | $576.3M | $797.3M | 22.18% | 3.43% | 2.97% |
| Q4 2024 | $565.7M | $799.8M | 23.24% | 3.32% | 2.92% |
| Q1 2025 | $571.2M | $800.2M | 24.16% | 3.52% | 2.79% |
| Q2 2025 | $576.1M | $823.9M | 24.90% | 3.19% | 2.80% |
| Q3 2025 | $585.5M | $847.9M | 24.67% | 3.45% | 2.77% |
| Q4 2025 | $586.1M | $844.1M | 25.04% | 3.44% | 2.91% |
| Q1 2026 | $602.0M | $873.6M | 25.30% | 3.58% | 2.87% |
| Q2 2026 | $599.6M | $870.3M | 27.10% | 3.74% | 2.88% |
Round Top State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Round Top State 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 Round Top State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19358) · FFIEC NIC profile (RSSD 665865)