Transpecos Banks, SSB: 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 Loan-to-deposit ratio: 15.32 percentage points higher than in Q1 2026, at 75.61%. Transpecos Banks, SSB ranks 154th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 75.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Transpecos Banks, SSB sits 5.23 points lower, at 75.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $659.3M |
| Net loans and leases | $652.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.83% |
| Loan-to-deposit ratio | 75.61% |
| Net loans to equity capital | 10.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.22% |
| Multifamily (5+ residential) | 2.14% |
| Commercial and industrial | 61.56% |
| Consumer | 7.86% |
| Credit cards | 0.00% |
| Farm | 0.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.04% |
| Construction concentration (Tier 1 capital + allowance) | 30.36% |
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 | — |
| Interest income on loans | $10.8M |
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 | $494.8M | $624.3M | 10.18% | 42.83% | 2.82% |
| Q4 2023 | $523.2M | $632.6M | 9.20% | 44.80% | 4.07% |
| Q1 2024 | $551.1M | $730.5M | 9.11% | 45.60% | 5.52% |
| Q2 2024 | $571.6M | $757.1M | 6.22% | 49.84% | 5.68% |
| Q3 2024 | $589.7M | $758.0M | 6.04% | 48.95% | 8.97% |
| Q4 2024 | $560.9M | $779.4M | 6.58% | 49.25% | 11.05% |
| Q1 2025 | $556.6M | $792.2M | 6.65% | 49.31% | 10.36% |
| Q2 2025 | $562.5M | $788.6M | 8.63% | 48.85% | 10.23% |
| Q3 2025 | $567.7M | $801.9M | 7.46% | 50.52% | 10.79% |
| Q4 2025 | $609.7M | $889.1M | 7.18% | 54.98% | 8.48% |
| Q1 2026 | $583.2M | $967.3M | 7.94% | 55.67% | 9.22% |
| Q2 2026 | $659.3M | $872.0M | 6.22% | 61.56% | 7.86% |
Transpecos Banks, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Transpecos Banks, SSB, 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 Transpecos Banks, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11178) · FFIEC NIC profile (RSSD 908861)