The State National Bank of Groom: 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 Loan-to-deposit ratio: 6.62 percentage points higher than in Q1 2026, at 91.97%. Within Texas, The State National Bank of Groom is 42nd of 346 on loan-to-deposit ratio, 91.97% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The State National Bank of Groom sits 24.35 points higher, at 91.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.8M |
| Net loans and leases | $43.0M |
| Loans held for sale | $0 |
| Loans to total assets | 79.53% |
| Loan-to-deposit ratio | 91.97% |
| Net loans to equity capital | 5.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.13% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.90% |
| Consumer | 2.50% |
| Credit cards | 0.00% |
| Farm | 17.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 129.74% |
| Construction concentration (Tier 1 capital + allowance) | 16.61% |
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 | 7.81% |
| Interest income on loans | $844K |
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 | $22.1M | $33.8M | 17.28% | 19.69% | 4.10% |
| Q4 2023 | $21.9M | $36.2M | 17.50% | 19.74% | 4.12% |
| Q1 2024 | $23.4M | $33.6M | 15.68% | 19.18% | 4.11% |
| Q2 2024 | $31.2M | $34.8M | 18.48% | 21.51% | 3.43% |
| Q3 2024 | $33.5M | $36.0M | 17.73% | 22.78% | 3.89% |
| Q4 2024 | $37.9M | $43.4M | 18.28% | 21.82% | 6.19% |
| Q1 2025 | $42.1M | $51.7M | 31.76% | 9.22% | 3.13% |
| Q2 2025 | $45.3M | $52.6M | 29.95% | 11.42% | 4.32% |
| Q3 2025 | $46.1M | $53.8M | 31.33% | 10.79% | 3.37% |
| Q4 2025 | $48.3M | $54.9M | 32.49% | 10.12% | 2.96% |
| Q1 2026 | $45.6M | $53.4M | 33.01% | 12.13% | 2.79% |
| Q2 2026 | $43.8M | $47.7M | 33.13% | 11.90% | 2.50% |
The State National Bank of Groom 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 Groom, 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 Groom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3237) · FFIEC NIC profile (RSSD 460556)