1st Bank in Hominy: 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.
Compared with Q1 2026, Commercial real estate (nonfarm nonresidential) fell 0.68 percentage points in Q2 2026 to 11.90%, the biggest move on this page. 1st Bank in Hominy ranks 152nd of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 42.44% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. 1st Bank in Hominy sits 25.48 points lower, at 42.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.7M |
| Net loans and leases | $17.4M |
| Loans held for sale | $0 |
| Loans to total assets | 39.01% |
| Loan-to-deposit ratio | 42.44% |
| Net loans to equity capital | 4.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.90% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 33.42% |
| Consumer | 13.36% |
| Credit cards | 0.00% |
| Farm | 2.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.74% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 8.25% |
| Interest income on loans | $351K |
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 | $17.0M | $40.3M | 17.53% | 27.16% | 11.49% |
| Q4 2023 | $16.3M | $39.2M | 16.86% | 27.52% | 10.79% |
| Q1 2024 | $16.2M | $39.6M | 16.73% | 29.04% | 11.56% |
| Q2 2024 | $16.1M | $40.2M | 16.65% | 27.10% | 11.74% |
| Q3 2024 | $16.1M | $44.3M | 17.55% | 26.44% | 12.19% |
| Q4 2024 | $16.5M | $40.7M | 16.88% | 29.74% | 11.53% |
| Q1 2025 | $16.3M | $39.7M | 16.75% | 30.85% | 10.98% |
| Q2 2025 | $15.7M | $39.5M | 15.80% | 29.39% | 11.61% |
| Q3 2025 | $16.3M | $39.2M | 15.54% | 28.25% | 14.02% |
| Q4 2025 | $16.6M | $38.9M | 14.42% | 27.48% | 14.29% |
| Q1 2026 | $17.2M | $41.0M | 12.58% | 33.19% | 13.26% |
| Q2 2026 | $17.7M | $41.6M | 11.90% | 33.42% | 13.36% |
1st Bank in Hominy loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Bank in Hominy, 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 1st Bank in Hominy profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4122) · FFIEC NIC profile (RSSD 350657)