Southwest 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.
Cre concentration (tier 1 capital + allowance) climbed 18.20 percentage points in Q2 2026, from 140.32% to 158.51%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Southwest Bank is 118th of 346 on loan-to-deposit ratio, 81.90% as of Q2 2026, above the middle of the field. At 81.90%, Southwest Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $500.1M |
| Net loans and leases | $487.5M |
| Loans held for sale | $0 |
| Loans to total assets | 72.09% |
| Loan-to-deposit ratio | 81.90% |
| Net loans to equity capital | 6.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.60% |
| Multifamily (5+ residential) | 0.02% |
| Commercial and industrial | 41.05% |
| Consumer | 0.36% |
| Credit cards | 0.00% |
| Farm | 0.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 158.51% |
| Construction concentration (Tier 1 capital + allowance) | 81.43% |
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 | 7.59% |
| Interest income on loans | $9.3M |
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 | $472.1M | $578.6M | 32.21% | 43.36% | 0.75% |
| Q4 2023 | $484.7M | $595.5M | 32.92% | 42.16% | 0.72% |
| Q1 2024 | $485.8M | $595.3M | 34.50% | 43.29% | 0.72% |
| Q2 2024 | $486.0M | $587.7M | 33.79% | 43.96% | 0.65% |
| Q3 2024 | $484.7M | $635.9M | 35.23% | 41.98% | 0.63% |
| Q4 2024 | $500.5M | $612.7M | 34.70% | 42.34% | 0.61% |
| Q1 2025 | $485.2M | $641.5M | 33.49% | 42.30% | 0.60% |
| Q2 2025 | $500.5M | $647.3M | 33.27% | 42.23% | 0.51% |
| Q3 2025 | $496.4M | $641.8M | 32.78% | 43.25% | 0.48% |
| Q4 2025 | $491.7M | $633.1M | 34.92% | 40.28% | 0.45% |
| Q1 2026 | $484.6M | $617.8M | 34.75% | 41.19% | 0.43% |
| Q2 2026 | $500.1M | $610.6M | 34.60% | 41.05% | 0.36% |
Southwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest 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 Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16652) · FFIEC NIC profile (RSSD 561864)