TBK Bank, SSB: 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.
Cre concentration (tier 1 capital + allowance) dropped 11.34 percentage points in Q2 2026, from 105.86% to 94.52%. It was the largest change from Q1 2026 among the key lines here. Within Texas, TBK Bank, SSB is 67th of 346 on loan-to-deposit ratio, 87.92% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; TBK Bank, SSB reported 87.92% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.48B |
| Net loans and leases | $5.44B |
| Loans held for sale | $1.4M |
| Loans to total assets | 74.04% |
| Loan-to-deposit ratio | 87.92% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.47% |
| Multifamily (5+ residential) | 2.67% |
| Commercial and industrial | 59.09% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 0.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 94.52% |
| Construction concentration (Tier 1 capital + allowance) | 27.20% |
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 | 8.53% |
| Interest income on loans | $112.4M |
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 | $4.38B | $4.53B | 15.43% | 55.26% | 0.19% |
| Q4 2023 | $4.16B | $4.02B | 16.16% | 53.75% | 0.20% |
| Q1 2024 | $4.20B | $4.49B | 16.19% | 53.95% | 0.17% |
| Q2 2024 | $4.29B | $4.43B | 16.27% | 52.31% | 0.18% |
| Q3 2024 | $4.33B | $4.74B | 14.50% | 51.50% | 0.16% |
| Q4 2024 | $4.55B | $4.83B | 13.83% | 49.79% | 0.18% |
| Q1 2025 | $4.67B | $4.99B | 13.36% | 51.76% | 0.15% |
| Q2 2025 | $4.96B | $5.20B | 12.10% | 50.00% | 0.35% |
| Q3 2025 | $5.00B | $4.97B | 12.41% | 50.30% | 0.34% |
| Q4 2025 | $4.99B | $4.96B | 11.68% | 51.62% | 0.34% |
| Q1 2026 | $5.19B | $5.72B | 11.05% | 53.52% | 0.30% |
| Q2 2026 | $5.48B | $6.23B | 9.47% | 59.09% | 0.31% |
TBK Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock TBK Bank, SSB, 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 TBK Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23498) · FFIEC NIC profile (RSSD 766164)