West Texas National 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.
Cre concentration (tier 1 capital + allowance) dropped 6.32 percentage points in Q2 2026, from 132.10% to 125.78%. It was the largest change from Q1 2026 among the key lines here. Within Texas, West Texas National Bank is 251st of 346 on loan-to-deposit ratio, 58.58% as of Q2 2026, below the middle of the field. West Texas National Bank reported 58.58% on loan-to-deposit ratio for Q2 2026, 29.62 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.50B |
| Net loans and leases | $1.47B |
| Loans held for sale | $0 |
| Loans to total assets | 52.05% |
| Loan-to-deposit ratio | 58.58% |
| Net loans to equity capital | 4.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.54% |
| Multifamily (5+ residential) | 2.77% |
| Commercial and industrial | 33.38% |
| Consumer | 0.39% |
| Credit cards | 0.00% |
| Farm | 3.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.78% |
| Construction concentration (Tier 1 capital + allowance) | 61.23% |
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 | 7.09% |
| Interest income on loans | $27.0M |
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 | $1.34B | $1.84B | 16.87% | 36.38% | 0.49% |
| Q4 2023 | $1.33B | $2.17B | 16.84% | 35.18% | 0.48% |
| Q1 2024 | $1.38B | $2.18B | 15.89% | 33.89% | 0.45% |
| Q2 2024 | $1.42B | $2.12B | 16.01% | 33.56% | 0.45% |
| Q3 2024 | $1.48B | $2.22B | 17.65% | 33.76% | 0.43% |
| Q4 2024 | $1.43B | $2.50B | 17.22% | 33.00% | 0.44% |
| Q1 2025 | $1.39B | $2.59B | 19.05% | 33.88% | 0.46% |
| Q2 2025 | $1.48B | $2.40B | 17.54% | 36.61% | 0.49% |
| Q3 2025 | $1.55B | $2.44B | 17.74% | 35.37% | 0.38% |
| Q4 2025 | $1.54B | $2.50B | 18.75% | 34.46% | 0.37% |
| Q1 2026 | $1.54B | $2.47B | 19.29% | 35.72% | 0.37% |
| Q2 2026 | $1.50B | $2.56B | 18.54% | 33.38% | 0.39% |
West Texas National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Texas National 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 West Texas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22957) · FFIEC NIC profile (RSSD 237066)