Texas 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.
CRE concentration (Tier 1 capital + allowance) climbed 12.49 percentage points in Q2 2026, from 349.24% to 361.72%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Bank is 96th of 346 on loan-to-deposit ratio, 84.87% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Texas Bank sits 4.32 points higher, at 84.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $699.4M |
| Net loans and leases | $691.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.32% |
| Loan-to-deposit ratio | 84.87% |
| Net loans to equity capital | 6.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.07% |
| Multifamily (5+ residential) | 0.78% |
| Commercial and industrial | 4.56% |
| Consumer | 3.80% |
| Credit cards | 0.00% |
| Farm | 1.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 361.72% |
| Construction concentration (Tier 1 capital + allowance) | 194.93% |
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 | 7.41% |
| Interest income on loans | $12.6M |
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 | $625.8M | $709.7M | 31.15% | 5.41% | 5.65% |
| Q4 2023 | $622.1M | $701.9M | 29.76% | 5.59% | 5.70% |
| Q1 2024 | $625.4M | $722.1M | 29.95% | 5.56% | 5.64% |
| Q2 2024 | $633.7M | $712.8M | 28.91% | 5.68% | 5.60% |
| Q3 2024 | $641.2M | $748.3M | 27.90% | 5.58% | 5.49% |
| Q4 2024 | $658.5M | $728.8M | 27.50% | 5.63% | 5.22% |
| Q1 2025 | $652.8M | $740.4M | 27.15% | 5.59% | 5.11% |
| Q2 2025 | $665.4M | $785.0M | 28.86% | 5.45% | 4.90% |
| Q3 2025 | $672.8M | $809.1M | 28.00% | 5.44% | 4.72% |
| Q4 2025 | $692.3M | $810.3M | 30.08% | 5.21% | 4.40% |
| Q1 2026 | $685.3M | $825.3M | 30.73% | 5.08% | 4.16% |
| Q2 2026 | $699.4M | $824.0M | 32.07% | 4.56% | 3.80% |
Texas Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas 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 Texas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21074) · FFIEC NIC profile (RSSD 414764)