Texas Republic 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.
Cre concentration (tier 1 capital + allowance) climbed 18.56 percentage points in Q2 2026, from 266.61% to 285.18%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Texas Republic Bank, N.A. ranks 2nd highest among the 346 banks headquartered in Texas, at 113.71% (Q2 2026). Texas Republic Bank, N.A. reported 113.71% on loan-to-deposit ratio for Q2 2026, 32.87 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $442.5M |
| Net loans and leases | $436.6M |
| Loans held for sale | $230K |
| Loans to total assets | 86.66% |
| Loan-to-deposit ratio | 113.71% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.81% |
| Multifamily (5+ residential) | 4.61% |
| Commercial and industrial | 11.48% |
| Consumer | 0.36% |
| Credit cards | 0.00% |
| Farm | 3.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 285.18% |
| Construction concentration (Tier 1 capital + allowance) | 112.37% |
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 | 7.76% |
| 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 | $388.0M | $341.1M | 46.38% | 8.28% | 0.37% |
| Q4 2023 | $392.1M | $353.7M | 45.95% | 7.76% | 0.34% |
| Q1 2024 | $390.3M | $348.0M | 45.98% | 8.61% | 0.34% |
| Q2 2024 | $401.0M | $363.5M | 45.11% | 8.20% | 0.34% |
| Q3 2024 | $399.7M | $373.6M | 46.72% | 8.38% | 0.39% |
| Q4 2024 | $400.0M | $369.7M | 43.92% | 9.25% | 0.37% |
| Q1 2025 | $408.6M | $373.0M | 42.74% | 13.43% | 0.27% |
| Q2 2025 | $408.7M | $376.4M | 45.61% | 13.40% | 0.31% |
| Q3 2025 | $423.8M | $370.6M | 45.12% | 11.49% | 0.25% |
| Q4 2025 | $408.8M | $368.3M | 43.52% | 12.02% | 0.28% |
| Q1 2026 | $416.3M | $396.0M | 43.38% | 11.09% | 0.38% |
| Q2 2026 | $442.5M | $389.2M | 44.81% | 11.48% | 0.36% |
Texas Republic Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Republic 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 Republic Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3400) · FFIEC NIC profile (RSSD 735067)