Tucumcari Federal Savings & Loan Association: 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): 7.55 percentage points lower than in Q1 2026, at 41.99%. Among 29 New Mexico banks, Tucumcari Federal Savings & Loan Association sits 3rd from the top on loan-to-deposit ratio, 83.53% as of Q2 2026. Tucumcari Federal Savings & Loan Association reported 83.53% on loan-to-deposit ratio for Q2 2026, 15.90 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.4M |
| Net loans and leases | $24.1M |
| Loans held for sale | $0 |
| Loans to total assets | 63.60% |
| Loan-to-deposit ratio | 83.53% |
| Net loans to equity capital | 4.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.65% |
| Multifamily (5+ residential) | 2.86% |
| Commercial and industrial | 0.00% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.99% |
| Construction concentration (Tier 1 capital + allowance) | 5.56% |
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 | 6.82% |
| Interest income on loans | $418K |
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 | $29.2M | $26.9M | 7.91% | 0.00% | 0.89% |
| Q4 2023 | $29.0M | $27.0M | 7.82% | 0.00% | 0.85% |
| Q1 2024 | $28.7M | $27.2M | 7.75% | 0.00% | 0.89% |
| Q2 2024 | $28.0M | $27.4M | 7.79% | 0.00% | 0.81% |
| Q3 2024 | $28.1M | $28.1M | 9.18% | 0.00% | 0.74% |
| Q4 2024 | $27.7M | $27.7M | 9.72% | 0.00% | 0.70% |
| Q1 2025 | $26.9M | $27.1M | 9.10% | 0.00% | 0.68% |
| Q2 2025 | $26.8M | $27.1M | 9.20% | 0.00% | 0.35% |
| Q3 2025 | $26.8M | $26.5M | 9.09% | 0.00% | 0.39% |
| Q4 2025 | $26.5M | $26.8M | 9.07% | 0.00% | 0.28% |
| Q1 2026 | $25.1M | $29.1M | 9.43% | 0.00% | 0.29% |
| Q2 2026 | $24.4M | $29.2M | 9.65% | 0.00% | 0.42% |
Tucumcari Federal Savings & Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tucumcari Federal Savings & Loan Association, 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 Tucumcari Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29059) · FFIEC NIC profile (RSSD 767572)