TXN 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): 14.42 percentage points lower than in Q1 2026, at 31.80%. TXN Bank ranks 265th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 54.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. TXN Bank sits 25.87 points lower, at 54.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $335.2M |
| Net loans and leases | $330.8M |
| Loans held for sale | $0 |
| Loans to total assets | 50.10% |
| Loan-to-deposit ratio | 54.69% |
| Net loans to equity capital | 6.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.61% |
| Multifamily (5+ residential) | 2.29% |
| Commercial and industrial | 12.05% |
| Consumer | 1.84% |
| Credit cards | 0.00% |
| Farm | 10.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.66% |
| Construction concentration (Tier 1 capital + allowance) | 31.80% |
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 | 7.03% |
| Interest income on loans | $5.9M |
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 | $308.1M | $558.6M | 21.68% | 13.33% | 2.92% |
| Q4 2023 | $300.7M | $550.7M | 21.35% | 12.12% | 3.00% |
| Q1 2024 | $295.2M | $572.6M | 21.59% | 12.05% | 3.13% |
| Q2 2024 | $300.9M | $556.8M | 23.70% | 10.61% | 3.14% |
| Q3 2024 | $310.8M | $548.4M | 29.64% | 9.92% | 3.03% |
| Q4 2024 | $313.9M | $560.9M | 29.24% | 9.78% | 3.01% |
| Q1 2025 | $318.5M | $574.5M | 29.00% | 10.31% | 2.86% |
| Q2 2025 | $331.7M | $586.4M | 31.31% | 10.10% | 2.44% |
| Q3 2025 | $346.4M | $585.4M | 33.17% | 9.62% | 2.19% |
| Q4 2025 | $344.2M | $595.9M | 32.54% | 10.72% | 2.04% |
| Q1 2026 | $337.9M | $605.8M | 32.93% | 10.49% | 1.91% |
| Q2 2026 | $335.2M | $613.0M | 34.61% | 12.05% | 1.84% |
TXN Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock TXN 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 TXN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15345) · FFIEC NIC profile (RSSD 77253)