Texas Bank and Trust Company: 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 13.06 percentage points in Q2 2026, from 283.98% to 270.92%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Bank and Trust Company is 43rd of 346 on loan-to-deposit ratio, 91.52% as of Q2 2026, above the middle of the field. Texas Bank and Trust Company reported 91.52% on loan-to-deposit ratio for Q2 2026, 3.32 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.43B |
| Net loans and leases | $3.39B |
| Loans held for sale | $0 |
| Loans to total assets | 79.10% |
| Loan-to-deposit ratio | 91.52% |
| Net loans to equity capital | 6.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.30% |
| Multifamily (5+ residential) | 8.49% |
| Commercial and industrial | 10.74% |
| Consumer | 0.72% |
| Credit cards | 0.09% |
| Farm | 0.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.92% |
| Construction concentration (Tier 1 capital + allowance) | 61.64% |
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 | $49.7M |
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 | $3.41B | $3.75B | 42.89% | 9.86% | 1.09% |
| Q4 2023 | $3.45B | $3.68B | 43.40% | 9.45% | 1.05% |
| Q1 2024 | $3.45B | $3.83B | 42.96% | 8.87% | 0.99% |
| Q2 2024 | $3.46B | $3.69B | 42.49% | 8.55% | 0.98% |
| Q3 2024 | $3.50B | $3.78B | 42.99% | 8.72% | 0.88% |
| Q4 2024 | $3.49B | $3.84B | 43.74% | 8.89% | 0.86% |
| Q1 2025 | $3.50B | $3.87B | 44.20% | 8.43% | 0.82% |
| Q2 2025 | $3.49B | $3.79B | 45.17% | 8.66% | 0.82% |
| Q3 2025 | $3.47B | $3.81B | 44.53% | 8.73% | 0.78% |
| Q4 2025 | $3.42B | $3.79B | 44.03% | 8.82% | 0.77% |
| Q1 2026 | $3.39B | $3.89B | 44.41% | 9.29% | 0.75% |
| Q2 2026 | $3.43B | $3.75B | 42.30% | 10.74% | 0.72% |
Texas Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17842) · FFIEC NIC profile (RSSD 949154)