Texas Security 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): 23.58 percentage points lower than in Q1 2026, at 274.10%. Texas Security Bank ranks 84th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 85.86% (Q2 2026). At 85.86%, Texas Security Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.02B |
| Net loans and leases | $1.01B |
| Loans held for sale | $500K |
| Loans to total assets | 74.20% |
| Loan-to-deposit ratio | 85.86% |
| Net loans to equity capital | 8.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.44% |
| Consumer | 0.14% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 274.10% |
| Construction concentration (Tier 1 capital + allowance) | 52.50% |
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 | 6.52% |
| Interest income on loans | $16.6M |
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 | $867.4M | $972.4M | 50.53% | 20.12% | 0.21% |
| Q4 2023 | $884.3M | $927.3M | 50.10% | 20.29% | 0.19% |
| Q1 2024 | $863.9M | $934.9M | 48.78% | 21.61% | 0.21% |
| Q2 2024 | $869.7M | $948.8M | 47.90% | 22.71% | 0.25% |
| Q3 2024 | $878.8M | $941.2M | 48.40% | 22.92% | 0.25% |
| Q4 2024 | $861.6M | $1.06B | 48.31% | 21.89% | 0.28% |
| Q1 2025 | $861.8M | $1.00B | 48.36% | 21.21% | 0.23% |
| Q2 2025 | $902.7M | $1.01B | 48.76% | 20.78% | 0.23% |
| Q3 2025 | $930.5M | $1.07B | 49.69% | 19.90% | 0.18% |
| Q4 2025 | $938.0M | $1.22B | 50.74% | 19.02% | 0.16% |
| Q1 2026 | $1.01B | $1.12B | 54.21% | 16.79% | 0.14% |
| Q2 2026 | $1.02B | $1.19B | 53.96% | 17.44% | 0.14% |
Texas Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58739) · FFIEC NIC profile (RSSD 3619216)