Anchor D 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.
Loan-to-deposit ratio climbed 5.23 percentage points in Q2 2026, from 65.76% to 70.99%. It was the largest change from Q1 2026 among the key lines here. Anchor D Bank ranks 107th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 70.99% (Q2 2026). Anchor D Bank reported 70.99% on loan-to-deposit ratio for Q2 2026, 9.85 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $234.3M |
| Net loans and leases | $231.1M |
| Loans held for sale | $0 |
| Loans to total assets | 57.93% |
| Loan-to-deposit ratio | 70.99% |
| Net loans to equity capital | 5.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.02% |
| Multifamily (5+ residential) | 1.01% |
| Commercial and industrial | 14.04% |
| Consumer | 2.77% |
| Credit cards | 0.00% |
| Farm | 17.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 15.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.41% |
| Construction concentration (Tier 1 capital + allowance) | 4.06% |
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 | 6.93% |
| Interest income on loans | $3.9M |
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 | $197.0M | $259.7M | 9.42% | 14.45% | 5.24% |
| Q4 2023 | $208.8M | $294.7M | 8.88% | 13.87% | 5.56% |
| Q1 2024 | $213.5M | $294.2M | 8.81% | 15.15% | 5.28% |
| Q2 2024 | $219.9M | $283.2M | 12.05% | 15.62% | 4.78% |
| Q3 2024 | $216.6M | $287.7M | 12.15% | 14.89% | 4.74% |
| Q4 2024 | $232.3M | $307.4M | 13.14% | 15.04% | 4.87% |
| Q1 2025 | $231.4M | $339.7M | 12.63% | 18.91% | 4.82% |
| Q2 2025 | $218.0M | $319.8M | 13.46% | 15.57% | 3.28% |
| Q3 2025 | $214.7M | $329.7M | 13.32% | 14.10% | 3.41% |
| Q4 2025 | $233.4M | $344.6M | 11.93% | 13.36% | 3.10% |
| Q1 2026 | $222.9M | $338.9M | 12.31% | 14.71% | 3.04% |
| Q2 2026 | $234.3M | $330.1M | 12.02% | 14.04% | 2.77% |
Anchor D Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Anchor D 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 Anchor D Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4208) · FFIEC NIC profile (RSSD 327556)