All Capital 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 25.12 percentage points in Q2 2026, from 175.82% to 200.94%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, All Capital Bank is 38th of 169 on loan-to-deposit ratio, 93.17% as of Q2 2026, above the middle of the field. All Capital Bank reported 93.17% on loan-to-deposit ratio for Q2 2026, 12.23 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $147.6M |
| Net loans and leases | $145.5M |
| Loans held for sale | $0 |
| Loans to total assets | 83.84% |
| Loan-to-deposit ratio | 93.17% |
| Net loans to equity capital | 8.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.83% |
| Multifamily (5+ residential) | 2.82% |
| Commercial and industrial | 25.77% |
| Consumer | 4.87% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.94% |
| Construction concentration (Tier 1 capital + allowance) | 38.62% |
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 | 8.00% |
| Interest income on loans | $2.9M |
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 | $50.1M | $59.1M | 31.50% | 29.01% | 26.97% |
| Q4 2023 | $62.6M | $72.0M | 16.14% | 26.25% | 20.44% |
| Q1 2024 | $72.4M | $84.2M | 14.35% | 25.42% | 17.24% |
| Q2 2024 | $73.6M | $79.5M | 17.71% | 24.80% | 15.98% |
| Q3 2024 | $76.5M | $85.1M | 18.14% | 25.63% | 14.03% |
| Q4 2024 | $83.1M | $92.6M | 20.17% | 22.78% | 12.11% |
| Q1 2025 | $98.1M | $106.3M | 19.15% | 27.60% | 9.60% |
| Q2 2025 | $101.2M | $110.4M | 15.55% | 28.89% | 8.84% |
| Q3 2025 | $112.0M | $120.8M | 17.51% | 24.74% | 7.42% |
| Q4 2025 | $129.7M | $144.5M | 15.01% | 27.49% | 6.25% |
| Q1 2026 | $144.5M | $151.3M | 18.93% | 26.81% | 5.28% |
| Q2 2026 | $147.6M | $158.4M | 19.83% | 25.77% | 4.87% |
All Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock All Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16795) · FFIEC NIC profile (RSSD 14650)