Spur Security 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 24.65 percentage points in Q2 2026, from 87.15% to 62.50%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Spur Security Bank is 159th of 346 on loan-to-deposit ratio, 75.05% as of Q2 2026. Spur Security Bank reported 75.05% on loan-to-deposit ratio for Q2 2026, 5.51 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $95.5M |
| Net loans and leases | $94.5M |
| Loans held for sale | $0 |
| Loans to total assets | 67.95% |
| Loan-to-deposit ratio | 75.05% |
| Net loans to equity capital | 7.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.16% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 28.44% |
| Consumer | 0.83% |
| Credit cards | 0.00% |
| Farm | 9.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.72% |
| Construction concentration (Tier 1 capital + allowance) | 62.50% |
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 | 7.89% |
| Interest income on loans | $1.8M |
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 | $25.6M | $77.5M | 20.67% | 36.23% | 3.11% |
| Q4 2023 | $38.0M | $78.4M | 20.05% | 34.40% | 2.23% |
| Q1 2024 | $46.6M | $80.6M | 14.00% | 31.34% | 1.83% |
| Q2 2024 | $50.1M | $82.7M | 15.22% | 29.88% | 1.51% |
| Q3 2024 | $56.0M | $91.5M | 9.71% | 26.94% | 1.35% |
| Q4 2024 | $58.4M | $101.5M | 14.81% | 27.97% | 1.26% |
| Q1 2025 | $66.2M | $108.0M | 19.46% | 24.23% | 1.03% |
| Q2 2025 | $74.1M | $108.8M | 18.58% | 26.13% | 0.98% |
| Q3 2025 | $76.8M | $111.9M | 20.83% | 24.69% | 0.95% |
| Q4 2025 | $83.5M | $125.0M | 19.85% | 21.37% | 0.91% |
| Q1 2026 | $86.7M | $120.0M | 19.06% | 25.70% | 0.92% |
| Q2 2026 | $95.5M | $127.3M | 20.16% | 28.44% | 0.83% |
Spur Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spur Security 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 Spur Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15460) · FFIEC NIC profile (RSSD 409265)