Texas Traditions 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 Construction concentration (Tier 1 capital + allowance): 24.06 percentage points lower than in Q1 2026, at 106.04%. Within Texas, Texas Traditions Bank is 249th of 346 on loan-to-deposit ratio, 59.74% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Texas Traditions Bank sits 21.21 points lower, at 59.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $299.0M |
| Net loans and leases | $296.2M |
| Loans held for sale | $0 |
| Loans to total assets | 53.78% |
| Loan-to-deposit ratio | 59.74% |
| Net loans to equity capital | 5.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.90% |
| Multifamily (5+ residential) | 2.90% |
| Commercial and industrial | 18.99% |
| Consumer | 0.49% |
| Credit cards | 0.00% |
| Farm | 1.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 279.81% |
| Construction concentration (Tier 1 capital + allowance) | 106.04% |
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 | 8.09% |
| Interest income on loans | $5.7M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | $70.8M | $116.0M | 35.48% | 29.89% | 1.24% |
| Q4 2023 | $95.9M | $184.2M | 30.46% | 32.64% | 1.06% |
| Q1 2024 | $119.4M | $188.4M | 37.97% | 31.83% | 1.03% |
| Q2 2024 | $145.2M | $197.5M | 36.29% | 27.19% | 0.94% |
| Q3 2024 | $178.4M | $207.2M | 35.79% | 21.11% | 0.70% |
| Q4 2024 | $201.0M | $232.6M | 38.80% | 21.32% | 0.63% |
| Q1 2025 | $214.2M | $237.7M | 38.84% | 20.58% | 0.56% |
| Q2 2025 | $236.0M | $287.6M | 40.70% | 19.72% | 0.53% |
| Q3 2025 | $253.3M | $320.0M | 41.01% | 19.81% | 0.62% |
| Q4 2025 | $261.8M | $423.1M | 42.77% | 19.97% | 0.63% |
| Q1 2026 | $267.9M | $485.0M | 45.99% | 18.56% | 0.57% |
| Q2 2026 | $299.0M | $500.4M | 48.90% | 18.99% | 0.49% |
Texas Traditions Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Traditions 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 Traditions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59304) · FFIEC NIC profile (RSSD 5760439)