Allnations 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 25.65 percentage points in Q2 2026, from 150.11% to 124.46%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Allnations Bank is 119th of 169 on loan-to-deposit ratio, 66.54% as of Q2 2026. At 66.54%, Allnations Bank's loan-to-deposit ratio is close to the 67.32% median for banks in the < $100M asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $51.2M |
| Net loans and leases | $50.1M |
| Loans held for sale | $0 |
| Loans to total assets | 60.53% |
| Loan-to-deposit ratio | 66.54% |
| Net loans to equity capital | 7.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.67% |
| Multifamily (5+ residential) | 8.47% |
| Commercial and industrial | 25.11% |
| Consumer | 2.98% |
| Credit cards | 0.00% |
| Farm | 16.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.46% |
| Construction concentration (Tier 1 capital + allowance) | 15.04% |
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 | 7.44% |
| Interest income on loans | $924K |
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 | $30.1M | $48.1M | 13.67% | 24.33% | 1.42% |
| Q4 2023 | $33.5M | $48.9M | 12.21% | 24.51% | 1.32% |
| Q1 2024 | $33.5M | $55.4M | 8.94% | 26.83% | 1.34% |
| Q2 2024 | $34.9M | $60.9M | 12.43% | 18.02% | 1.48% |
| Q3 2024 | $36.3M | $58.4M | 11.97% | 17.08% | 1.77% |
| Q4 2024 | $41.0M | $60.3M | 11.71% | 22.53% | 4.29% |
| Q1 2025 | $39.9M | $66.9M | 7.60% | 23.07% | 4.08% |
| Q2 2025 | $41.1M | $67.6M | 7.46% | 23.60% | 3.96% |
| Q3 2025 | $45.2M | $72.2M | 11.29% | 22.15% | 3.57% |
| Q4 2025 | $50.4M | $69.8M | 14.29% | 18.08% | 3.26% |
| Q1 2026 | $50.2M | $79.0M | 14.48% | 20.58% | 3.43% |
| Q2 2026 | $51.2M | $76.9M | 12.67% | 25.11% | 2.98% |
Allnations Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Allnations 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 Allnations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4051) · FFIEC NIC profile (RSSD 146056)