Texas Heritage National 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): 10.54 percentage points lower than in Q1 2026, at 101.82%. Among 346 Texas banks, Texas Heritage National Bank sits 19th from the top on loan-to-deposit ratio, 98.96% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Texas Heritage National Bank sits 18.13 points higher, at 98.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $803.5M |
| Net loans and leases | $793.2M |
| Loans held for sale | $0 |
| Loans to total assets | 85.81% |
| Loan-to-deposit ratio | 98.96% |
| Net loans to equity capital | 8.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.92% |
| Multifamily (5+ residential) | 3.19% |
| Commercial and industrial | 19.89% |
| Consumer | 1.60% |
| Credit cards | 0.00% |
| Farm | 12.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 275.84% |
| Construction concentration (Tier 1 capital + allowance) | 101.82% |
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 | 7.18% |
| Interest income on loans | $14.5M |
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 | $482.7M | $510.0M | 25.44% | 16.80% | 2.82% |
| Q4 2023 | $511.2M | $493.6M | 27.54% | 15.90% | 2.74% |
| Q1 2024 | $555.6M | $553.1M | 28.10% | 17.11% | 2.64% |
| Q2 2024 | $629.0M | $612.1M | 31.61% | 19.56% | 2.44% |
| Q3 2024 | $681.0M | $749.9M | 31.81% | 19.28% | 2.32% |
| Q4 2024 | $742.0M | $728.5M | 29.12% | 19.43% | 2.09% |
| Q1 2025 | $799.9M | $789.5M | 30.15% | 21.19% | 1.91% |
| Q2 2025 | $824.6M | $827.5M | 31.56% | 20.49% | 1.91% |
| Q3 2025 | $829.4M | $817.7M | 30.82% | 19.92% | 1.89% |
| Q4 2025 | $819.5M | $801.1M | 30.96% | 19.87% | 1.74% |
| Q1 2026 | $797.4M | $797.3M | 31.20% | 19.62% | 1.74% |
| Q2 2026 | $803.5M | $811.9M | 30.92% | 19.89% | 1.60% |
Texas Heritage National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Heritage National 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 Heritage National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3161) · FFIEC NIC profile (RSSD 824653)