Texas 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 CRE concentration (Tier 1 capital + allowance): 11.65 percentage points higher than in Q1 2026, at 19.29%. Texas National Bank has the 32nd lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 33.57% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Texas National Bank reported 33.57% on loan-to-deposit ratio in Q2 2026, 47.27 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.0M |
| Net loans and leases | $42.4M |
| Loans held for sale | $0 |
| Loans to total assets | 30.91% |
| Loan-to-deposit ratio | 33.57% |
| Net loans to equity capital | 4.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.55% |
| Multifamily (5+ residential) | 3.73% |
| Commercial and industrial | 17.83% |
| Consumer | 4.13% |
| Credit cards | 0.00% |
| Farm | 12.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.29% |
| Construction concentration (Tier 1 capital + allowance) | 7.95% |
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 | 7.61% |
| Interest income on loans | $743K |
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 | $36.6M | $130.5M | 6.98% | 24.04% | 6.22% |
| Q4 2023 | $35.0M | $130.7M | 7.18% | 24.10% | 6.49% |
| Q1 2024 | $35.8M | $130.7M | 6.88% | 27.26% | 5.86% |
| Q2 2024 | $39.6M | $125.5M | 6.26% | 24.88% | 5.22% |
| Q3 2024 | $38.2M | $125.5M | 6.97% | 24.07% | 5.48% |
| Q4 2024 | $37.9M | $126.9M | 4.75% | 24.41% | 5.47% |
| Q1 2025 | $34.9M | $132.2M | 10.19% | 24.52% | 6.07% |
| Q2 2025 | $36.3M | $129.9M | 9.39% | 23.98% | 5.53% |
| Q3 2025 | $36.5M | $129.4M | 9.37% | 25.12% | 5.43% |
| Q4 2025 | $36.6M | $128.7M | 9.68% | 23.96% | 5.21% |
| Q1 2026 | $37.4M | $130.6M | 13.52% | 22.79% | 4.82% |
| Q2 2026 | $43.0M | $128.1M | 14.55% | 17.83% | 4.13% |
Texas National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34014) · FFIEC NIC profile (RSSD 1435092)