The State National Bank of Big Spring: 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 0.89 percentage points in Q2 2026, from 7.80% to 6.90%. It was the largest change from Q1 2026 among the key lines here. The State National Bank of Big Spring has the 8th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 17.05% as of Q2 2026. The State National Bank of Big Spring's loan-to-deposit ratio of 17.05% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 63.79 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.0M |
| Net loans and leases | $94.7M |
| Loans held for sale | $0 |
| Loans to total assets | 15.31% |
| Loan-to-deposit ratio | 17.05% |
| Net loans to equity capital | 1.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.17% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 26.75% |
| Consumer | 1.45% |
| Credit cards | 0.00% |
| Farm | 5.15% |
| Loans to depository institutions | 0.19% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 22.57% |
| Construction concentration (Tier 1 capital + allowance) | 6.90% |
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 | 6.45% |
| Interest income on loans | $1.5M |
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 | $104.2M | $516.5M | 32.82% | 22.53% | 1.69% |
| Q4 2023 | $94.7M | $539.4M | 32.35% | 22.17% | 1.92% |
| Q1 2024 | $96.5M | $517.5M | 31.60% | 23.12% | 1.57% |
| Q2 2024 | $104.6M | $497.2M | 28.53% | 24.91% | 1.55% |
| Q3 2024 | $102.0M | $491.8M | 25.88% | 26.08% | 1.42% |
| Q4 2024 | $94.2M | $527.1M | 29.90% | 27.98% | 1.60% |
| Q1 2025 | $100.6M | $548.0M | 32.93% | 27.80% | 1.34% |
| Q2 2025 | $100.3M | $520.6M | 33.30% | 25.86% | 1.37% |
| Q3 2025 | $97.1M | $547.3M | 33.86% | 26.77% | 1.52% |
| Q4 2025 | $99.7M | $561.1M | 34.95% | 26.13% | 1.47% |
| Q1 2026 | $94.2M | $553.3M | 34.91% | 27.43% | 1.44% |
| Q2 2026 | $98.0M | $574.9M | 34.17% | 26.75% | 1.45% |
The State National Bank of Big Spring loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State National Bank of Big Spring, 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 The State National Bank of Big Spring profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3103) · FFIEC NIC profile (RSSD 169354)