Texas Regional 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): 10.93 percentage points higher than in Q1 2026, at 314.39%. Texas Regional Bank ranks 178th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 72.40% (Q2 2026). Texas Regional Bank reported 72.40% on loan-to-deposit ratio for Q2 2026, 15.80 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.80B |
| Net loans and leases | $1.78B |
| Loans held for sale | $6.5M |
| Loans to total assets | 60.92% |
| Loan-to-deposit ratio | 72.40% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.84% |
| Multifamily (5+ residential) | 7.05% |
| Commercial and industrial | 14.18% |
| Consumer | 0.80% |
| Credit cards | 0.02% |
| Farm | 3.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 314.39% |
| Construction concentration (Tier 1 capital + allowance) | 113.19% |
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 | $30.2M |
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 | $1.45B | $2.46B | 35.30% | 14.06% | 1.06% |
| Q4 2023 | $1.45B | $2.45B | 35.96% | 13.90% | 1.06% |
| Q1 2024 | $1.43B | $2.43B | 36.16% | 14.15% | 1.09% |
| Q2 2024 | $1.44B | $2.17B | 37.79% | 14.22% | 1.11% |
| Q3 2024 | $1.43B | $2.44B | 36.17% | 15.43% | 1.08% |
| Q4 2024 | $1.47B | $2.45B | 35.96% | 16.42% | 1.00% |
| Q1 2025 | $1.51B | $2.51B | 35.87% | 15.85% | 0.88% |
| Q2 2025 | $1.60B | $2.49B | 37.66% | 15.29% | 0.86% |
| Q3 2025 | $1.62B | $2.59B | 37.74% | 14.34% | 1.00% |
| Q4 2025 | $1.69B | $2.61B | 37.77% | 13.98% | 0.89% |
| Q1 2026 | $1.74B | $2.55B | 37.53% | 13.58% | 0.89% |
| Q2 2026 | $1.80B | $2.48B | 37.84% | 14.18% | 0.80% |
Texas Regional Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Regional 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 Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26906) · FFIEC NIC profile (RSSD 380458)