Texas Community 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 CRE concentration (Tier 1 capital + allowance): 6.88 percentage points higher than in Q1 2026, at 194.75%. Within Texas, Texas Community Bank is 248th of 346 on loan-to-deposit ratio, 59.79% as of Q2 2026, below the middle of the field. Texas Community Bank reported 59.79% on loan-to-deposit ratio for Q2 2026, 28.41 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.15B |
| Net loans and leases | $1.12B |
| Loans held for sale | $0 |
| Loans to total assets | 52.00% |
| Loan-to-deposit ratio | 59.79% |
| Net loans to equity capital | 4.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.18% |
| Multifamily (5+ residential) | 4.81% |
| Commercial and industrial | 12.55% |
| Consumer | 1.42% |
| Credit cards | 0.00% |
| Farm | 1.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.75% |
| Construction concentration (Tier 1 capital + allowance) | 50.84% |
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 | $19.2M |
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 | $1.02B | $1.70B | 39.73% | 17.11% | 1.70% |
| Q4 2023 | $1.05B | $1.68B | 42.21% | 17.19% | 1.65% |
| Q1 2024 | $1.05B | $1.69B | 42.58% | 17.13% | 1.62% |
| Q2 2024 | $1.05B | $1.71B | 42.95% | 16.51% | 1.66% |
| Q3 2024 | $1.05B | $1.70B | 42.91% | 15.68% | 1.76% |
| Q4 2024 | $1.10B | $1.80B | 42.23% | 15.26% | 1.62% |
| Q1 2025 | $1.13B | $1.74B | 41.99% | 14.75% | 1.54% |
| Q2 2025 | $1.11B | $1.80B | 46.05% | 14.50% | 1.69% |
| Q3 2025 | $1.15B | $1.85B | 47.35% | 13.00% | 1.59% |
| Q4 2025 | $1.13B | $1.92B | 47.71% | 12.97% | 1.57% |
| Q1 2026 | $1.11B | $1.95B | 49.66% | 12.82% | 1.55% |
| Q2 2026 | $1.15B | $1.92B | 51.18% | 12.55% | 1.42% |
Texas Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24563) · FFIEC NIC profile (RSSD 528960)