The Bank, N.A.: 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) climbed 28.25 percentage points in Q2 2026, from 200.13% to 228.37%. It was the largest change from Q1 2026 among the key lines here. The Bank, N.A. ranks 97th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 74.78% (Q2 2026). The Bank, N.A. reported 74.78% on loan-to-deposit ratio for Q2 2026, 6.16 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $331.1M |
| Net loans and leases | $326.9M |
| Loans held for sale | $0 |
| Loans to total assets | 67.84% |
| Loan-to-deposit ratio | 74.78% |
| Net loans to equity capital | 7.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.07% |
| Multifamily (5+ residential) | 6.91% |
| Commercial and industrial | 4.33% |
| Consumer | 2.81% |
| Credit cards | 0.00% |
| Farm | 3.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 228.37% |
| Construction concentration (Tier 1 capital + allowance) | 73.49% |
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 | 7.41% |
| Interest income on loans | $5.8M |
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 | $246.3M | $405.9M | 33.93% | 6.76% | 4.48% |
| Q4 2023 | $255.1M | $426.6M | 33.49% | 6.63% | 4.40% |
| Q1 2024 | $252.3M | $416.6M | 31.69% | 6.40% | 4.67% |
| Q2 2024 | $247.0M | $406.8M | 30.47% | 6.22% | 4.78% |
| Q3 2024 | $242.3M | $394.8M | 28.85% | 6.26% | 4.47% |
| Q4 2024 | $243.5M | $418.7M | 27.91% | 6.31% | 4.28% |
| Q1 2025 | $249.0M | $420.7M | 29.68% | 6.64% | 4.04% |
| Q2 2025 | $262.5M | $412.8M | 31.04% | 6.02% | 3.74% |
| Q3 2025 | $264.5M | $408.3M | 30.79% | 5.56% | 3.72% |
| Q4 2025 | $279.8M | $435.2M | 30.62% | 5.40% | 3.50% |
| Q1 2026 | $294.6M | $439.7M | 31.55% | 4.72% | 3.23% |
| Q2 2026 | $331.1M | $442.8M | 33.07% | 4.33% | 2.81% |
The Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank, N.A., 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 The Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4146) · FFIEC NIC profile (RSSD 829050)