Titan 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) dropped 19.69 percentage points in Q2 2026, from 160.97% to 141.28%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Titan Bank, N.A. is 266th of 346 on loan-to-deposit ratio, 54.39% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Titan Bank, N.A. sits 26.45 points lower, at 54.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $419.6M |
| Net loans and leases | $414.6M |
| Loans held for sale | $0 |
| Loans to total assets | 46.83% |
| Loan-to-deposit ratio | 54.39% |
| Net loans to equity capital | 3.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.80% |
| Multifamily (5+ residential) | 26.36% |
| Commercial and industrial | 0.96% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.28% |
| Construction concentration (Tier 1 capital + allowance) | 8.13% |
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 | 6.71% |
| Interest income on loans | $7.2M |
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 | $260.9M | $479.3M | 31.37% | 0.88% | 0.02% |
| Q4 2023 | $264.1M | $428.1M | 29.45% | 0.79% | 0.02% |
| Q1 2024 | $274.1M | $539.1M | 27.08% | 0.73% | 0.01% |
| Q2 2024 | $288.0M | $524.6M | 30.38% | 1.03% | 0.01% |
| Q3 2024 | $296.5M | $615.1M | 31.59% | 0.44% | 0.01% |
| Q4 2024 | $313.3M | $419.0M | 30.91% | 0.66% | 0.00% |
| Q1 2025 | $307.2M | $640.3M | 28.00% | 0.53% | 0.00% |
| Q2 2025 | $338.1M | $568.2M | 27.68% | 0.77% | 0.00% |
| Q3 2025 | $394.7M | $658.6M | 21.72% | 0.53% | 0.00% |
| Q4 2025 | $448.9M | $640.7M | 19.84% | 0.46% | 0.00% |
| Q1 2026 | $435.9M | $783.7M | 18.77% | 0.70% | 0.00% |
| Q2 2026 | $419.6M | $771.5M | 19.80% | 0.96% | 0.00% |
Titan Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Titan 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 Titan Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3225) · FFIEC NIC profile (RSSD 328357)