Stockmens National Bank in Cotulla: 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.
Yield on loans dropped 1.93 percentage points in Q2 2026, from 9.87% to 7.94%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Stockmens National Bank in Cotulla is 13th from the bottom among 346 Texas banks, 22.51% (Q2 2026). Stockmens National Bank in Cotulla's loan-to-deposit ratio of 22.51% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 58.33 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $25.1M |
| Net loans and leases | $24.8M |
| Loans held for sale | $0 |
| Loans to total assets | 20.26% |
| Loan-to-deposit ratio | 22.51% |
| Net loans to equity capital | 2.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 19.81% |
| Consumer | 15.98% |
| Credit cards | 0.00% |
| Farm | 14.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.90% |
| Construction concentration (Tier 1 capital + allowance) | 30.63% |
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 | 7.94% |
| Interest income on loans | $500K |
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 | $24.3M | $90.4M | 14.28% | 21.84% | 12.43% |
| Q4 2023 | $27.2M | $99.0M | 12.64% | 20.08% | 11.68% |
| Q1 2024 | $29.9M | $92.0M | 11.78% | 19.54% | 10.71% |
| Q2 2024 | $30.4M | $94.1M | 11.75% | 20.25% | 11.17% |
| Q3 2024 | $31.1M | $91.3M | 11.31% | 19.89% | 12.43% |
| Q4 2024 | $29.5M | $111.6M | 14.00% | 21.16% | 13.32% |
| Q1 2025 | $31.1M | $99.1M | 18.93% | 19.93% | 12.13% |
| Q2 2025 | $30.0M | $98.5M | 17.71% | 19.84% | 12.86% |
| Q3 2025 | $28.3M | $101.6M | 18.60% | 17.98% | 14.23% |
| Q4 2025 | $28.8M | $112.9M | 14.71% | 16.67% | 14.18% |
| Q1 2026 | $24.8M | $109.3M | 17.27% | 18.82% | 15.90% |
| Q2 2026 | $25.1M | $111.7M | 17.23% | 19.81% | 15.98% |
Stockmens National Bank in Cotulla loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockmens National Bank in Cotulla, 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 Stockmens National Bank in Cotulla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14864) · FFIEC NIC profile (RSSD 818652)