Texas Champion 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 6.15 percentage points lower than in Q1 2026, at 68.86%. Among 346 Texas banks, Texas Champion Bank sits 7th from the top on loan-to-deposit ratio, 105.39% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Texas Champion Bank sits 24.55 points higher, at 105.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $346.9M |
| Net loans and leases | $342.9M |
| Loans held for sale | $0 |
| Loans to total assets | 79.46% |
| Loan-to-deposit ratio | 105.39% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.84% |
| Multifamily (5+ residential) | 1.45% |
| Commercial and industrial | 9.42% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 8.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 343.16% |
| Construction concentration (Tier 1 capital + allowance) | 68.86% |
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 | 6.75% |
| Interest income on loans | $5.8M |
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 | $348.8M | $305.9M | 44.09% | 13.07% | 1.20% |
| Q4 2023 | $353.2M | $318.7M | 45.91% | 13.07% | 1.20% |
| Q1 2024 | $361.2M | $305.5M | 44.65% | 14.49% | 1.14% |
| Q2 2024 | $347.7M | $324.8M | 47.56% | 11.45% | 1.18% |
| Q3 2024 | $348.3M | $328.1M | 49.04% | 11.72% | 1.24% |
| Q4 2024 | $350.6M | $333.9M | 50.12% | 10.81% | 1.34% |
| Q1 2025 | $345.6M | $321.8M | 51.92% | 10.35% | 1.27% |
| Q2 2025 | $343.9M | $331.2M | 53.17% | 9.05% | 1.37% |
| Q3 2025 | $343.1M | $332.2M | 52.93% | 8.86% | 1.34% |
| Q4 2025 | $339.8M | $346.2M | 52.96% | 10.03% | 1.33% |
| Q1 2026 | $342.5M | $338.2M | 53.09% | 10.56% | 1.31% |
| Q2 2026 | $346.9M | $329.2M | 54.84% | 9.42% | 1.23% |
Texas Champion Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Champion 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 Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11159) · FFIEC NIC profile (RSSD 579364)