Acb 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 3.38 percentage points in Q2 2026, from 104.54% to 107.92%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Acb Bank is 45th of 169 on loan-to-deposit ratio, 89.86% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Acb Bank sits 9.30 points higher, at 89.86% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $103.1M |
| Net loans and leases | $101.4M |
| Loans held for sale | $0 |
| Loans to total assets | 76.13% |
| Loan-to-deposit ratio | 89.86% |
| Net loans to equity capital | 6.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.39% |
| Consumer | 1.11% |
| Credit cards | 0.00% |
| Farm | 21.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.92% |
| Construction concentration (Tier 1 capital + allowance) | 0.90% |
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 | 6.63% |
| Interest income on loans | $1.7M |
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 | $100.6M | $107.3M | 24.92% | 9.13% | 1.25% |
| Q4 2023 | $105.0M | $113.3M | 25.69% | 8.82% | 1.05% |
| Q1 2024 | $106.2M | $115.6M | 23.38% | 8.30% | 1.03% |
| Q2 2024 | $104.2M | $113.2M | 23.88% | 8.99% | 1.11% |
| Q3 2024 | $103.8M | $110.1M | 24.51% | 7.95% | 1.21% |
| Q4 2024 | $102.2M | $113.0M | 25.53% | 6.73% | 1.27% |
| Q1 2025 | $101.6M | $112.0M | 22.42% | 6.90% | 1.44% |
| Q2 2025 | $104.1M | $112.4M | 22.65% | 7.55% | 1.24% |
| Q3 2025 | $105.0M | $114.1M | 21.54% | 7.52% | 1.42% |
| Q4 2025 | $107.9M | $114.3M | 20.85% | 7.98% | 1.35% |
| Q1 2026 | $104.9M | $114.6M | 19.03% | 8.00% | 1.13% |
| Q2 2026 | $103.1M | $114.8M | 19.96% | 7.39% | 1.11% |
Acb Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Acb 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 Acb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4061) · FFIEC NIC profile (RSSD 266253)