West Texas State 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) climbed 11.91 percentage points in Q2 2026, from 143.16% to 155.07%. It was the largest change from Q1 2026 among the key lines here. West Texas State Bank ranks 149th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 76.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. West Texas State Bank sits 4.50 points lower, at 76.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $302.7M |
| Net loans and leases | $298.3M |
| Loans held for sale | $0 |
| Loans to total assets | 68.21% |
| Loan-to-deposit ratio | 76.33% |
| Net loans to equity capital | 6.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.89% |
| Multifamily (5+ residential) | 0.41% |
| Commercial and industrial | 47.55% |
| Consumer | 0.55% |
| Credit cards | 0.00% |
| Farm | 3.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 155.07% |
| Construction concentration (Tier 1 capital + allowance) | 77.72% |
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 | 8.69% |
| Interest income on loans | $6.2M |
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 | $170.7M | $225.7M | 31.39% | 36.42% | 1.08% |
| Q4 2023 | $176.2M | $240.8M | 30.22% | 39.22% | 1.08% |
| Q1 2024 | $194.5M | $249.6M | 26.81% | 42.47% | 0.93% |
| Q2 2024 | $209.4M | $257.6M | 24.96% | 44.87% | 0.79% |
| Q3 2024 | $208.6M | $268.8M | 23.69% | 44.94% | 0.72% |
| Q4 2024 | $214.9M | $283.0M | 24.36% | 47.24% | 0.66% |
| Q1 2025 | $216.4M | $273.0M | 25.07% | 49.10% | 0.66% |
| Q2 2025 | $239.1M | $308.5M | 23.76% | 49.05% | 0.59% |
| Q3 2025 | $237.9M | $320.0M | 24.52% | 46.94% | 0.72% |
| Q4 2025 | $246.8M | $335.1M | 22.97% | 49.88% | 0.70% |
| Q1 2026 | $263.6M | $359.8M | 24.45% | 50.91% | 0.71% |
| Q2 2026 | $302.7M | $396.5M | 28.89% | 47.55% | 0.55% |
West Texas State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Texas State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16866) · FFIEC NIC profile (RSSD 406666)