Texas National Bank of Jacksonville: 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 Q3 2026 was in Construction concentration (Tier 1 capital + allowance): 7.49 percentage points higher than in Q2 2026, at 63.02%. Within Texas, Texas National Bank of Jacksonville is 88th of 346 on loan-to-deposit ratio, 85.41% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Texas National Bank of Jacksonville reported 83.31% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $645.0M |
| Net loans and leases | $633.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.94% |
| Loan-to-deposit ratio | 83.31% |
| Net loans to equity capital | 7.62% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.61% |
| Multifamily (5+ residential) | 1.95% |
| Commercial and industrial | 13.18% |
| Consumer | 3.93% |
| Credit cards | 0.00% |
| Farm | 1.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 185.78% |
| Construction concentration (Tier 1 capital + allowance) | 63.02% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.23% |
| Interest income on loans | $11.7M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $657.8M | $721.0M | 37.14% | 9.17% | 4.35% |
| Q1 2024 | $685.6M | $737.0M | 36.13% | 9.60% | 4.29% |
| Q2 2024 | $704.3M | $750.4M | 35.13% | 10.14% | 4.24% |
| Q3 2024 | $696.3M | $763.1M | 34.31% | 9.98% | 4.39% |
| Q4 2024 | $702.3M | $761.6M | 35.02% | 10.73% | 4.40% |
| Q1 2025 | $696.4M | $743.3M | 34.89% | 11.79% | 4.55% |
| Q2 2025 | $687.0M | $752.0M | 34.31% | 12.77% | 4.49% |
| Q3 2025 | $690.4M | $774.6M | 34.12% | 13.09% | 4.24% |
| Q4 2025 | $670.1M | $736.5M | 34.95% | 12.18% | 4.34% |
| Q1 2026 | $674.0M | $771.4M | 34.91% | 12.43% | 4.03% |
| Q2 2026 | $654.0M | $765.7M | 34.65% | 12.20% | 4.02% |
| Q3 2026 | $645.0M | $774.3M | 33.61% | 13.18% | 3.93% |
Texas National Bank of Jacksonville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas National Bank of Jacksonville, 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 of Jacksonville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26181) · FFIEC NIC profile (RSSD 739355)