Armstrong 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 7.42 percentage points in Q2 2026, from 211.62% to 204.21%. It was the largest change from Q1 2026 among the key lines here. Armstrong Bank ranks 78th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 80.18% (Q2 2026). Armstrong Bank reported 80.18% on loan-to-deposit ratio for Q2 2026, 8.02 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.08B |
| Net loans and leases | $2.05B |
| Loans held for sale | $0 |
| Loans to total assets | 73.03% |
| Loan-to-deposit ratio | 80.18% |
| Net loans to equity capital | 8.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.71% |
| Multifamily (5+ residential) | 4.50% |
| Commercial and industrial | 8.34% |
| Consumer | 4.73% |
| Credit cards | 0.29% |
| Farm | 4.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 204.21% |
| Construction concentration (Tier 1 capital + allowance) | 82.43% |
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 | 6.82% |
| Interest income on loans | $33.4M |
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 | $1.50B | $2.30B | 24.62% | 5.30% | 6.34% |
| Q4 2023 | $1.52B | $2.35B | 24.06% | 5.28% | 6.10% |
| Q1 2024 | $1.52B | $2.30B | 23.93% | 4.94% | 5.92% |
| Q2 2024 | $1.55B | $2.26B | 24.12% | 4.93% | 5.80% |
| Q3 2024 | $1.57B | $2.23B | 23.18% | 5.11% | 5.66% |
| Q4 2024 | $1.61B | $2.30B | 23.53% | 5.37% | 5.42% |
| Q1 2025 | $1.65B | $2.29B | 24.10% | 4.94% | 5.20% |
| Q2 2025 | $1.73B | $2.29B | 24.57% | 5.25% | 5.19% |
| Q3 2025 | $1.82B | $2.32B | 23.64% | 5.48% | 5.23% |
| Q4 2025 | $1.94B | $2.42B | 24.45% | 6.13% | 5.04% |
| Q1 2026 | $2.02B | $2.46B | 24.56% | 7.68% | 4.89% |
| Q2 2026 | $2.08B | $2.59B | 24.71% | 8.34% | 4.73% |
Armstrong Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Armstrong 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 Armstrong Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2315) · FFIEC NIC profile (RSSD 470452)