Southwestern National 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 10.81 percentage points lower than in Q1 2026, at 37.40%. On loan-to-deposit ratio, Southwestern National Bank ranks 24th highest among the 346 banks headquartered in Texas, at 97.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southwestern National Bank sits 9.40 points higher, at 97.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.18B |
| Net loans and leases | $1.17B |
| Loans held for sale | $18.5M |
| Loans to total assets | 85.05% |
| Loan-to-deposit ratio | 97.60% |
| Net loans to equity capital | 6.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 74.08% |
| Multifamily (5+ residential) | 4.76% |
| Commercial and industrial | 7.22% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 321.69% |
| Construction concentration (Tier 1 capital + allowance) | 37.40% |
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 | 7.22% |
| Interest income on loans | $20.7M |
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 | $905.4M | $892.5M | 76.24% | 4.19% | 0.03% |
| Q4 2023 | $947.9M | $976.4M | 75.42% | 5.51% | 0.06% |
| Q1 2024 | $974.8M | $993.6M | 74.46% | 5.97% | 0.06% |
| Q2 2024 | $989.9M | $1.07B | 74.79% | 5.31% | 0.04% |
| Q3 2024 | $983.9M | $1.08B | 74.73% | 5.41% | 0.03% |
| Q4 2024 | $1.03B | $1.05B | 73.86% | 5.03% | 0.03% |
| Q1 2025 | $1.06B | $1.10B | 72.59% | 5.12% | 0.04% |
| Q2 2025 | $1.10B | $1.14B | 72.01% | 5.50% | 0.03% |
| Q3 2025 | $1.12B | $1.13B | 73.45% | 6.45% | 0.03% |
| Q4 2025 | $1.13B | $1.22B | 72.12% | 7.03% | 0.03% |
| Q1 2026 | $1.13B | $1.21B | 71.55% | 6.98% | 0.03% |
| Q2 2026 | $1.18B | $1.21B | 74.08% | 7.22% | 0.03% |
Southwestern National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwestern National 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 Southwestern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34319) · FFIEC NIC profile (RSSD 2625724)