Southtrust Bank, N.A.: 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): 4.62 percentage points lower than in Q1 2026, at 144.88%. Within Texas, Southtrust Bank, N.A. is 212th of 346 on loan-to-deposit ratio, 66.37% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Southtrust Bank, N.A. sits 14.46 points lower, at 66.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $334.8M |
| Net loans and leases | $330.4M |
| Loans held for sale | $0 |
| Loans to total assets | 57.84% |
| Loan-to-deposit ratio | 66.37% |
| Net loans to equity capital | 4.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.63% |
| Multifamily (5+ residential) | 2.02% |
| Commercial and industrial | 6.42% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 0.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 144.88% |
| Construction concentration (Tier 1 capital + allowance) | 27.23% |
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 | 6.45% |
| Interest income on loans | $5.4M |
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 | $322.1M | $459.8M | 49.61% | 5.94% | 1.14% |
| Q4 2023 | $325.6M | $479.2M | 48.65% | 6.68% | 1.13% |
| Q1 2024 | $327.8M | $485.2M | 48.87% | 6.54% | 1.12% |
| Q2 2024 | $328.6M | $465.0M | 47.72% | 6.15% | 1.06% |
| Q3 2024 | $329.9M | $475.9M | 47.95% | 5.84% | 1.11% |
| Q4 2024 | $330.2M | $496.4M | 45.83% | 5.88% | 1.08% |
| Q1 2025 | $336.6M | $484.0M | 46.05% | 6.47% | 1.05% |
| Q2 2025 | $355.4M | $487.2M | 44.87% | 6.14% | 1.05% |
| Q3 2025 | $355.4M | $539.6M | 45.20% | 5.99% | 1.09% |
| Q4 2025 | $343.6M | $521.4M | 46.39% | 5.99% | 1.21% |
| Q1 2026 | $339.3M | $524.3M | 45.64% | 6.43% | 1.19% |
| Q2 2026 | $334.8M | $504.4M | 45.63% | 6.42% | 1.23% |
Southtrust Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southtrust Bank, N.A., 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 Southtrust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13919) · FFIEC NIC profile (RSSD 521158)