State Bank of Texas: 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): 53.47 percentage points lower than in Q1 2026, at 460.80%. Among 346 Texas banks, State Bank of Texas sits 23rd from the top on loan-to-deposit ratio, 97.80% as of Q2 2026. State Bank of Texas reported 97.80% on loan-to-deposit ratio for Q2 2026, 9.59 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.09B |
| Net loans and leases | $2.07B |
| Loans held for sale | $0 |
| Loans to total assets | 80.98% |
| Loan-to-deposit ratio | 97.80% |
| Net loans to equity capital | 4.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 91.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.86% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 460.80% |
| Construction concentration (Tier 1 capital + allowance) | 32.25% |
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 | 9.72% |
| Interest income on loans | $52.6M |
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 | $1.93B | $1.92B | 85.47% | 0.38% | 0.08% |
| Q4 2023 | $2.09B | $2.15B | 83.95% | 0.44% | 0.06% |
| Q1 2024 | $2.15B | $2.27B | 83.72% | 0.38% | 0.09% |
| Q2 2024 | $2.22B | $2.32B | 84.35% | 1.01% | 0.08% |
| Q3 2024 | $2.31B | $2.31B | 85.16% | 0.99% | 0.05% |
| Q4 2024 | $2.29B | $2.28B | 86.03% | 0.82% | 0.08% |
| Q1 2025 | $2.28B | $2.33B | 91.61% | 0.81% | 0.10% |
| Q2 2025 | $2.25B | $2.30B | 91.42% | 0.73% | 0.10% |
| Q3 2025 | $2.27B | $2.31B | 89.91% | 0.77% | 0.11% |
| Q4 2025 | $2.26B | $2.24B | 89.51% | 0.73% | 0.11% |
| Q1 2026 | $2.23B | $2.22B | 89.06% | 0.71% | 0.09% |
| Q2 2026 | $2.09B | $2.14B | 91.96% | 0.86% | 0.10% |
State Bank of Texas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Texas, 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27074) · FFIEC NIC profile (RSSD 1157415)