Susser 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.
Loans held for sale dropped 34.1% in Q2 2026, from $6.0M to $3.9M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Susser Bank is 107th of 346 on loan-to-deposit ratio, 83.24% as of Q2 2026. Susser Bank reported 83.24% on loan-to-deposit ratio for Q2 2026, 4.96 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.22B |
| Net loans and leases | $2.19B |
| Loans held for sale | $3.9M |
| Loans to total assets | 74.11% |
| Loan-to-deposit ratio | 83.24% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.60% |
| Multifamily (5+ residential) | 2.32% |
| Commercial and industrial | 28.77% |
| Consumer | 0.28% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.75% |
| Construction concentration (Tier 1 capital + allowance) | 95.58% |
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 | 6.82% |
| Interest income on loans | $37.2M |
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 | $1.52B | $1.90B | 27.76% | 33.13% | 0.48% |
| Q4 2023 | $1.57B | $2.05B | 26.89% | 34.53% | 0.59% |
| Q1 2024 | $1.62B | $1.90B | 26.38% | 36.66% | 0.62% |
| Q2 2024 | $1.73B | $2.05B | 25.19% | 35.78% | 0.83% |
| Q3 2024 | $1.81B | $2.16B | 25.49% | 35.54% | 0.80% |
| Q4 2024 | $1.90B | $2.23B | 27.65% | 35.80% | 0.33% |
| Q1 2025 | $1.95B | $2.28B | 27.29% | 36.24% | 0.25% |
| Q2 2025 | $1.96B | $2.34B | 26.41% | 37.05% | 0.28% |
| Q3 2025 | $1.98B | $2.42B | 26.85% | 30.74% | 0.27% |
| Q4 2025 | $2.06B | $2.57B | 28.44% | 27.93% | 0.28% |
| Q1 2026 | $2.12B | $2.58B | 27.91% | 28.92% | 0.26% |
| Q2 2026 | $2.22B | $2.66B | 27.60% | 28.77% | 0.28% |
Susser Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Susser 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 Susser Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34885) · FFIEC NIC profile (RSSD 965789)