Ameristate 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.
Construction concentration (tier 1 capital + allowance) dropped 2.24 percentage points in Q2 2026, from 89.73% to 87.49%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Ameristate Bank is 76th of 169 on loan-to-deposit ratio, 80.40% as of Q2 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; Ameristate Bank reported 80.40% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $342.8M |
| Net loans and leases | $338.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.76% |
| Loan-to-deposit ratio | 80.40% |
| Net loans to equity capital | 7.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.33% |
| Multifamily (5+ residential) | 0.26% |
| Commercial and industrial | 9.86% |
| Consumer | 4.75% |
| Credit cards | 0.00% |
| Farm | 9.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.88% |
| Construction concentration (Tier 1 capital + allowance) | 87.49% |
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 | 7.51% |
| Interest income on loans | $6.4M |
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 | $299.2M | $349.9M | 33.70% | 8.94% | 6.46% |
| Q4 2023 | $306.7M | $366.1M | 34.11% | 9.62% | 6.45% |
| Q1 2024 | $301.4M | $370.6M | 34.37% | 8.99% | 6.21% |
| Q2 2024 | $306.8M | $398.7M | 33.76% | 10.75% | 5.85% |
| Q3 2024 | $306.8M | $376.9M | 33.79% | 10.94% | 5.67% |
| Q4 2024 | $311.6M | $389.4M | 34.67% | 10.37% | 5.55% |
| Q1 2025 | $314.8M | $399.7M | 33.91% | 11.45% | 5.29% |
| Q2 2025 | $323.7M | $397.9M | 32.92% | 12.36% | 5.30% |
| Q3 2025 | $326.0M | $408.0M | 33.51% | 11.25% | 5.09% |
| Q4 2025 | $335.0M | $418.7M | 32.63% | 10.72% | 5.02% |
| Q1 2026 | $339.3M | $412.3M | 31.26% | 10.09% | 4.96% |
| Q2 2026 | $342.8M | $426.4M | 32.33% | 9.86% | 4.75% |
Ameristate Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameristate 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 Ameristate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15510) · FFIEC NIC profile (RSSD 508355)