WestStar 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 10.02 percentage points in Q2 2026, from 368.62% to 358.60%. It was the largest change from Q1 2026 among the key lines here. Within Texas, WestStar Bank is 63rd of 346 on loan-to-deposit ratio, 88.56% as of Q2 2026, above the middle of the field. At 88.56%, WestStar Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.52B |
| Net loans and leases | $2.50B |
| Loans held for sale | $0 |
| Loans to total assets | 76.92% |
| Loan-to-deposit ratio | 88.56% |
| Net loans to equity capital | 6.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.66% |
| Multifamily (5+ residential) | 10.53% |
| Commercial and industrial | 17.04% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 2.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 358.60% |
| Construction concentration (Tier 1 capital + allowance) | 79.01% |
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 | 6.12% |
| Interest income on loans | $37.3M |
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 | $2.13B | $2.34B | 45.31% | 16.15% | 0.06% |
| Q4 2023 | $2.23B | $2.43B | 44.91% | 16.47% | 0.07% |
| Q1 2024 | $2.24B | $2.51B | 47.15% | 16.55% | 0.11% |
| Q2 2024 | $2.28B | $2.71B | 46.43% | 16.55% | 0.06% |
| Q3 2024 | $2.28B | $2.71B | 45.65% | 17.29% | 0.06% |
| Q4 2024 | $2.29B | $2.87B | 45.78% | 17.56% | 0.06% |
| Q1 2025 | $2.30B | $2.80B | 46.29% | 17.27% | 0.06% |
| Q2 2025 | $2.30B | $2.88B | 46.46% | 16.51% | 0.06% |
| Q3 2025 | $2.26B | $2.75B | 47.47% | 16.30% | 0.06% |
| Q4 2025 | $2.38B | $2.70B | 48.95% | 15.31% | 0.05% |
| Q1 2026 | $2.41B | $2.75B | 49.17% | 15.42% | 0.05% |
| Q2 2026 | $2.52B | $2.85B | 48.66% | 17.04% | 0.04% |
WestStar Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock WestStar 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 WestStar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32941) · FFIEC NIC profile (RSSD 1447639)