Southstar Bank, S.S.B.: 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): 11.68 percentage points higher than in Q1 2026, at 149.36%. Southstar Bank, S.S.B. ranks 37th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 92.61% (Q2 2026). Southstar Bank, S.S.B. reported 92.61% on loan-to-deposit ratio for Q2 2026, 4.40 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.04B |
| Net loans and leases | $1.03B |
| Loans held for sale | $1.6M |
| Loans to total assets | 76.10% |
| Loan-to-deposit ratio | 92.61% |
| Net loans to equity capital | 6.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.44% |
| Multifamily (5+ residential) | 0.15% |
| Commercial and industrial | 1.55% |
| Consumer | 0.47% |
| Credit cards | 0.00% |
| Farm | 6.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.36% |
| Construction concentration (Tier 1 capital + allowance) | 107.25% |
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 | 7.37% |
| Interest income on loans | $17.8M |
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 | $943.8M | $940.7M | 19.55% | 2.54% | 0.44% |
| Q4 2023 | $919.4M | $926.9M | 19.50% | 2.59% | 0.49% |
| Q1 2024 | $936.0M | $929.0M | 18.88% | 2.73% | 0.46% |
| Q2 2024 | $937.9M | $907.3M | 18.28% | 2.12% | 0.47% |
| Q3 2024 | $917.6M | $918.7M | 19.47% | 2.10% | 0.52% |
| Q4 2024 | $898.9M | $924.9M | 20.45% | 2.12% | 0.50% |
| Q1 2025 | $924.3M | $1.03B | 18.91% | 2.10% | 0.47% |
| Q2 2025 | $968.6M | $1.03B | 18.05% | 1.81% | 0.50% |
| Q3 2025 | $964.9M | $1.05B | 18.43% | 1.59% | 0.51% |
| Q4 2025 | $994.7M | $1.05B | 17.87% | 1.64% | 0.52% |
| Q1 2026 | $970.0M | $1.09B | 17.17% | 1.57% | 0.53% |
| Q2 2026 | $1.04B | $1.13B | 17.44% | 1.55% | 0.47% |
Southstar Bank, S.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southstar Bank, S.S.B., 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 Southstar Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12299) · FFIEC NIC profile (RSSD 171768)