Texas State 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.
Loan-to-deposit ratio climbed 3.89 percentage points in Q2 2026, from 75.46% to 79.35%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas State Bank is 133rd of 346 on loan-to-deposit ratio, 79.35% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Texas State Bank reported 79.35% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $281.0M |
| Net loans and leases | $278.4M |
| Loans held for sale | $0 |
| Loans to total assets | 66.04% |
| Loan-to-deposit ratio | 79.35% |
| Net loans to equity capital | 5.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.62% |
| Multifamily (5+ residential) | 5.31% |
| Commercial and industrial | 9.45% |
| Consumer | 1.41% |
| Credit cards | 0.00% |
| Farm | 18.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.03% |
| Construction concentration (Tier 1 capital + allowance) | 68.76% |
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 | 6.51% |
| Interest income on loans | $4.6M |
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 | $214.4M | $323.8M | 22.10% | 10.01% | 1.18% |
| Q4 2023 | $229.3M | $363.5M | 22.29% | 11.42% | 1.19% |
| Q1 2024 | $235.7M | $331.4M | 21.94% | 11.41% | 1.11% |
| Q2 2024 | $241.2M | $332.9M | 20.96% | 9.04% | 1.17% |
| Q3 2024 | $242.2M | $322.9M | 19.72% | 8.82% | 1.18% |
| Q4 2024 | $253.8M | $339.8M | 18.83% | 9.00% | 0.99% |
| Q1 2025 | $253.0M | $341.1M | 18.19% | 9.21% | 1.00% |
| Q2 2025 | $256.0M | $337.7M | 18.05% | 9.02% | 1.29% |
| Q3 2025 | $262.2M | $343.4M | 17.32% | 8.79% | 1.37% |
| Q4 2025 | $271.2M | $361.3M | 15.67% | 9.10% | 1.44% |
| Q1 2026 | $274.2M | $363.3M | 15.26% | 9.05% | 1.45% |
| Q2 2026 | $281.0M | $354.2M | 17.62% | 9.45% | 1.41% |
Texas State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18698) · FFIEC NIC profile (RSSD 748964)