American Bank and Trust Company: 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.
Construction concentration (tier 1 capital + allowance) dropped 6.09 percentage points in Q2 2026, from 45.06% to 38.97%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, American Bank and Trust Company is 102nd of 169 on loan-to-deposit ratio, 72.39% as of Q2 2026, below the middle of the field. American Bank and Trust Company reported 72.39% on loan-to-deposit ratio for Q2 2026, 8.55 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $194.6M |
| Net loans and leases | $192.4M |
| Loans held for sale | $0 |
| Loans to total assets | 59.99% |
| Loan-to-deposit ratio | 72.39% |
| Net loans to equity capital | 3.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.24% |
| Multifamily (5+ residential) | 4.66% |
| Commercial and industrial | 55.20% |
| Consumer | 0.25% |
| Credit cards | 0.00% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 106.56% |
| Construction concentration (Tier 1 capital + allowance) | 38.97% |
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 | 7.46% |
| Interest income on loans | $3.7M |
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 | $142.0M | $239.5M | 26.83% | 49.55% | 0.41% |
| Q4 2023 | $148.6M | $248.1M | 28.03% | 52.14% | 0.37% |
| Q1 2024 | $150.4M | $256.3M | 27.58% | 52.53% | 0.32% |
| Q2 2024 | $166.6M | $250.7M | 27.29% | 52.90% | 0.31% |
| Q3 2024 | $173.2M | $272.7M | 31.43% | 48.19% | 0.31% |
| Q4 2024 | $184.2M | $256.0M | 31.33% | 48.21% | 0.31% |
| Q1 2025 | $194.5M | $254.7M | 24.44% | 51.53% | 0.35% |
| Q2 2025 | $202.2M | $276.7M | 20.62% | 53.80% | 0.35% |
| Q3 2025 | $194.1M | $282.6M | 21.10% | 54.39% | 0.54% |
| Q4 2025 | $199.0M | $269.4M | 20.59% | 56.64% | 0.26% |
| Q1 2026 | $201.8M | $264.6M | 20.13% | 55.85% | 0.23% |
| Q2 2026 | $194.6M | $268.9M | 21.24% | 55.20% | 0.25% |
American Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank and Trust Company, 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 American Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20537) · FFIEC NIC profile (RSSD 452159)