Texana Bank, N.A.: 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 19.09 percentage points in Q2 2026, from 136.63% to 117.53%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Texana Bank, N.A. ranks 8th highest among the 346 banks headquartered in Texas, at 104.36% (Q2 2026). Texana Bank, N.A. reported 104.36% on loan-to-deposit ratio for Q2 2026, 23.52 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $303.7M |
| Net loans and leases | $300.0M |
| Loans held for sale | $49.6M |
| Loans to total assets | 91.88% |
| Loan-to-deposit ratio | 104.36% |
| Net loans to equity capital | 10.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.81% |
| Multifamily (5+ residential) | 1.62% |
| Commercial and industrial | 15.16% |
| Consumer | 0.60% |
| Credit cards | 0.00% |
| Farm | 4.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 117.53% |
| Construction concentration (Tier 1 capital + allowance) | 26.36% |
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 | 6.47% |
| Interest income on loans | $4.9M |
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 | $243.2M | $240.7M | 29.97% | 16.52% | 1.40% |
| Q4 2023 | $246.2M | $241.9M | 31.71% | 17.29% | 1.25% |
| Q1 2024 | $251.3M | $233.5M | 32.21% | 15.93% | 1.18% |
| Q2 2024 | $271.8M | $241.2M | 31.29% | 14.75% | 1.08% |
| Q3 2024 | $281.1M | $245.9M | 30.32% | 14.48% | 1.04% |
| Q4 2024 | $265.8M | $250.8M | 30.89% | 15.70% | 0.98% |
| Q1 2025 | $273.6M | $247.6M | 29.75% | 13.43% | 0.88% |
| Q2 2025 | $285.0M | $255.4M | 28.02% | 12.76% | 0.75% |
| Q3 2025 | $278.7M | $254.6M | 27.07% | 15.06% | 0.82% |
| Q4 2025 | $315.0M | $256.7M | 23.74% | 14.93% | 0.64% |
| Q1 2026 | $327.6M | $279.9M | 24.21% | 14.70% | 0.55% |
| Q2 2026 | $303.7M | $291.1M | 24.81% | 15.16% | 0.60% |
Texana Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texana Bank, N.A., 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 Texana Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3302) · FFIEC NIC profile (RSSD 809650)