Sundown State Bank: 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): 4.14 percentage points higher than in Q1 2026, at 103.05%. Sundown State Bank ranks 184th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 71.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Sundown State Bank sits 9.39 points lower, at 71.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $191.9M |
| Net loans and leases | $189.8M |
| Loans held for sale | $0 |
| Loans to total assets | 62.36% |
| Loan-to-deposit ratio | 71.16% |
| Net loans to equity capital | 5.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.48% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 20.89% |
| Consumer | 0.37% |
| Credit cards | 0.00% |
| Farm | 24.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.05% |
| Construction concentration (Tier 1 capital + allowance) | 30.07% |
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 | 7.08% |
| Interest income on loans | $3.3M |
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 | $218.3M | $244.7M | 25.47% | 14.82% | 0.26% |
| Q4 2023 | $207.6M | $250.7M | 25.55% | 15.40% | 0.26% |
| Q1 2024 | $200.5M | $240.2M | 25.40% | 19.96% | 0.28% |
| Q2 2024 | $214.0M | $226.7M | 23.50% | 18.54% | 0.28% |
| Q3 2024 | $214.5M | $234.2M | 23.39% | 18.92% | 0.25% |
| Q4 2024 | $214.6M | $239.1M | 22.98% | 22.76% | 0.29% |
| Q1 2025 | $206.3M | $240.7M | 23.96% | 22.73% | 0.30% |
| Q2 2025 | $205.9M | $254.2M | 24.03% | 22.43% | 0.29% |
| Q3 2025 | $202.2M | $268.0M | 25.63% | 20.35% | 0.30% |
| Q4 2025 | $202.3M | $273.6M | 25.09% | 18.88% | 0.28% |
| Q1 2026 | $195.1M | $278.5M | 25.30% | 24.94% | 0.28% |
| Q2 2026 | $191.9M | $269.6M | 26.48% | 20.89% | 0.37% |
Sundown State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sundown State Bank, 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 Sundown State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18780) · FFIEC NIC profile (RSSD 412667)