All America 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 10.16 percentage points in Q3 2026, from 225.50% to 235.66%. It was the largest change from Q2 2026 among the key lines here. Within Oklahoma, All America Bank is 75th of 169 on loan-to-deposit ratio, 80.50% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; All America Bank reported 82.30% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $443.1M |
| Net loans and leases | $437.4M |
| Loans held for sale | $0 |
| Loans to total assets | 72.92% |
| Loan-to-deposit ratio | 82.30% |
| Net loans to equity capital | 7.35% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.45% |
| Multifamily (5+ residential) | 1.91% |
| Commercial and industrial | 3.60% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 12.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 235.66% |
| Construction concentration (Tier 1 capital + allowance) | 89.38% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.03% |
| Interest income on loans | $7.6M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $519.8M | $552.4M | 24.88% | 6.02% | 2.82% |
| Q1 2024 | $516.8M | $568.3M | 25.38% | 5.81% | 2.64% |
| Q2 2024 | $491.1M | $548.4M | 27.60% | 3.94% | 2.52% |
| Q3 2024 | $477.4M | $530.1M | 29.56% | 2.79% | 2.50% |
| Q4 2024 | $491.6M | $531.2M | 31.11% | 3.24% | 2.43% |
| Q1 2025 | $482.2M | $548.7M | 31.52% | 3.14% | 2.28% |
| Q2 2025 | $472.2M | $541.2M | 32.99% | 2.61% | 2.17% |
| Q3 2025 | $455.5M | $534.2M | 32.91% | 2.75% | 2.13% |
| Q4 2025 | $467.2M | $528.4M | 31.36% | 2.52% | 1.98% |
| Q1 2026 | $454.2M | $550.5M | 30.03% | 3.21% | 1.85% |
| Q2 2026 | $439.8M | $546.3M | 31.05% | 3.45% | 1.96% |
| Q3 2026 | $443.1M | $538.4M | 33.45% | 3.60% | 1.92% |
All America Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock All America 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 All America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20093) · FFIEC NIC profile (RSSD 25357)