Texas Gulf 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 18.35 percentage points higher than in Q1 2026, at 208.92%. Texas Gulf Bank, N.A. ranks 131st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 79.49% (Q2 2026). At 79.49%, Texas Gulf Bank, N.A.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $507.6M |
| Net loans and leases | $502.1M |
| Loans held for sale | $0 |
| Loans to total assets | 69.83% |
| Loan-to-deposit ratio | 79.49% |
| Net loans to equity capital | 6.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.95% |
| Multifamily (5+ residential) | 1.46% |
| Commercial and industrial | 8.52% |
| Consumer | 1.27% |
| Credit cards | 0.00% |
| Farm | 0.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 208.92% |
| Construction concentration (Tier 1 capital + allowance) | 105.80% |
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 | 6.69% |
| Interest income on loans | $8.4M |
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 | $443.8M | $598.7M | 35.78% | 12.97% | 0.86% |
| Q4 2023 | $453.3M | $579.4M | 36.03% | 12.54% | 0.97% |
| Q1 2024 | $468.7M | $607.8M | 37.25% | 12.89% | 0.95% |
| Q2 2024 | $486.7M | $618.7M | 37.75% | 11.47% | 0.86% |
| Q3 2024 | $480.9M | $629.3M | 38.17% | 11.62% | 0.80% |
| Q4 2024 | $470.0M | $613.8M | 40.12% | 9.15% | 0.84% |
| Q1 2025 | $479.6M | $602.9M | 42.33% | 8.25% | 0.88% |
| Q2 2025 | $480.2M | $607.8M | 43.55% | 8.10% | 0.96% |
| Q3 2025 | $493.6M | $612.1M | 43.42% | 7.40% | 1.55% |
| Q4 2025 | $498.0M | $629.4M | 42.16% | 8.63% | 1.26% |
| Q1 2026 | $481.6M | $634.5M | 40.15% | 9.04% | 0.98% |
| Q2 2026 | $507.6M | $638.6M | 37.95% | 8.52% | 1.27% |
Texas Gulf Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Gulf 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 Gulf Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3206) · FFIEC NIC profile (RSSD 514655)