Texas Advantage Community 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.
Commercial and industrial dropped 5.58 percentage points in Q2 2026, from 23.65% to 18.07%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Advantage Community Bank, N.A. is 281st of 346 on loan-to-deposit ratio, 47.35% as of Q2 2026, below the middle of the field. Texas Advantage Community Bank, N.A. reported 47.35% on loan-to-deposit ratio for Q2 2026, 33.49 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $80.3M |
| Net loans and leases | $79.4M |
| Loans held for sale | $0 |
| Loans to total assets | 41.83% |
| Loan-to-deposit ratio | 47.35% |
| Net loans to equity capital | 3.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.89% |
| Multifamily (5+ residential) | 2.06% |
| Commercial and industrial | 18.07% |
| Consumer | 1.31% |
| Credit cards | 0.00% |
| Farm | 4.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 8.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.44% |
| Construction concentration (Tier 1 capital + allowance) | 16.48% |
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 | — |
| Interest income on loans | $1.4M |
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 | $94.1M | $165.6M | 38.37% | 20.38% | 1.24% |
| Q4 2023 | $101.9M | $168.1M | 38.90% | 22.04% | 1.14% |
| Q1 2024 | $101.2M | $169.0M | 43.93% | 22.02% | 1.18% |
| Q2 2024 | $99.3M | $175.5M | 45.46% | 21.06% | 1.22% |
| Q3 2024 | $97.6M | $170.3M | 44.29% | 21.93% | 1.26% |
| Q4 2024 | $94.1M | $175.1M | 49.18% | 24.31% | 1.41% |
| Q1 2025 | $88.5M | $168.6M | 47.60% | 25.02% | 1.44% |
| Q2 2025 | $88.3M | $157.5M | 50.92% | 22.92% | 1.30% |
| Q3 2025 | $86.6M | $163.5M | 49.51% | 24.06% | 1.44% |
| Q4 2025 | $84.1M | $160.9M | 50.20% | 24.30% | 1.43% |
| Q1 2026 | $85.2M | $167.8M | 50.42% | 23.65% | 1.50% |
| Q2 2026 | $80.3M | $169.7M | 52.89% | 18.07% | 1.31% |
Texas Advantage Community Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Advantage Community 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 Texas Advantage Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58450) · FFIEC NIC profile (RSSD 3485215)