State Bank of De Kalb: 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.
Loans held for sale climbed 70.4% in Q2 2026, from $1.1M to $2.0M. It was the largest change from Q1 2026 among the key lines here. State Bank of De Kalb ranks 98th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.76% (Q2 2026). State Bank of De Kalb reported 84.76% on loan-to-deposit ratio for Q2 2026, 3.92 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $385.8M |
| Net loans and leases | $379.9M |
| Loans held for sale | $2.0M |
| Loans to total assets | 74.20% |
| Loan-to-deposit ratio | 84.76% |
| Net loans to equity capital | 6.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.42% |
| Multifamily (5+ residential) | 4.24% |
| Commercial and industrial | 22.17% |
| Consumer | 2.03% |
| Credit cards | 0.00% |
| Farm | 11.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.24% |
| Construction concentration (Tier 1 capital + allowance) | 67.47% |
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 | 6.97% |
| Interest income on loans | $6.5M |
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 | $328.6M | $369.1M | 18.78% | 19.59% | 2.11% |
| Q4 2023 | $327.1M | $370.6M | 17.87% | 19.59% | 2.30% |
| Q1 2024 | $318.7M | $393.8M | 18.79% | 19.33% | 2.66% |
| Q2 2024 | $326.0M | $387.4M | 18.10% | 20.14% | 2.84% |
| Q3 2024 | $342.5M | $387.9M | 17.81% | 21.14% | 2.53% |
| Q4 2024 | $353.2M | $382.3M | 17.48% | 21.54% | 2.47% |
| Q1 2025 | $359.8M | $405.8M | 17.41% | 23.44% | 2.37% |
| Q2 2025 | $365.8M | $414.8M | 16.88% | 24.28% | 2.36% |
| Q3 2025 | $371.5M | $425.8M | 18.09% | 24.28% | 2.32% |
| Q4 2025 | $371.6M | $430.6M | 19.03% | 23.38% | 2.29% |
| Q1 2026 | $368.1M | $458.3M | 18.78% | 23.27% | 2.23% |
| Q2 2026 | $385.8M | $455.1M | 19.42% | 22.17% | 2.03% |
State Bank of De Kalb loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of De Kalb, 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 State Bank of De Kalb profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15463) · FFIEC NIC profile (RSSD 621357)