American Nation 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.08 percentage points higher than in Q1 2026, at 212.75%. Within Oklahoma, American Nation Bank is 62nd of 169 on loan-to-deposit ratio, 84.03% as of Q2 2026, above the middle of the field. American Nation Bank reported 84.03% on loan-to-deposit ratio for Q2 2026, 3.09 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $485.4M |
| Net loans and leases | $478.1M |
| Loans held for sale | $0 |
| Loans to total assets | 70.20% |
| Loan-to-deposit ratio | 84.03% |
| Net loans to equity capital | 7.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.08% |
| Multifamily (5+ residential) | 1.04% |
| Commercial and industrial | 7.99% |
| Consumer | 3.71% |
| Credit cards | 0.19% |
| Farm | 5.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.75% |
| Construction concentration (Tier 1 capital + allowance) | 68.88% |
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 | 7.19% |
| Interest income on loans | $8.8M |
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 | $436.9M | $550.8M | 40.25% | 5.55% | 6.16% |
| Q4 2023 | $446.1M | $520.0M | 40.80% | 5.75% | 6.10% |
| Q1 2024 | $453.5M | $545.1M | 40.60% | 6.09% | 5.85% |
| Q2 2024 | $464.0M | $552.4M | 43.57% | 6.30% | 5.27% |
| Q3 2024 | $460.0M | $549.0M | 43.53% | 6.37% | 5.28% |
| Q4 2024 | $456.0M | $553.0M | 42.85% | 6.55% | 5.28% |
| Q1 2025 | $461.7M | $569.4M | 41.79% | 6.59% | 5.33% |
| Q2 2025 | $456.1M | $579.7M | 42.52% | 7.56% | 5.43% |
| Q3 2025 | $463.6M | $576.5M | 42.40% | 6.71% | 5.32% |
| Q4 2025 | $475.3M | $565.8M | 41.23% | 6.85% | 5.39% |
| Q1 2026 | $483.1M | $576.3M | 40.95% | 6.86% | 5.18% |
| Q2 2026 | $485.4M | $577.7M | 42.08% | 7.99% | 3.71% |
American Nation Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Nation 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 American Nation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24472) · FFIEC NIC profile (RSSD 256058)