The Bank of Beaver City: 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 1.36 percentage points in Q2 2026, from 13.29% to 11.92%. It was the largest change from Q1 2026 among the key lines here. The Bank of Beaver City ranks 137th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 61.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Bank of Beaver City sits 19.52 points lower, at 61.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $104.7M |
| Net loans and leases | $103.2M |
| Loans held for sale | $0 |
| Loans to total assets | 55.52% |
| Loan-to-deposit ratio | 61.43% |
| Net loans to equity capital | 8.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.30% |
| Multifamily (5+ residential) | 3.43% |
| Commercial and industrial | 12.48% |
| Consumer | 4.47% |
| Credit cards | 0.00% |
| Farm | 19.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.74% |
| Construction concentration (Tier 1 capital + allowance) | 11.92% |
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 | 7.21% |
| Interest income on loans | $1.9M |
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 | $87.0M | $144.5M | 17.01% | 15.57% | 4.97% |
| Q4 2023 | $89.1M | $142.2M | 16.58% | 15.48% | 5.07% |
| Q1 2024 | $91.9M | $154.0M | 15.40% | 16.37% | 5.04% |
| Q2 2024 | $95.8M | $161.3M | 14.61% | 15.12% | 4.87% |
| Q3 2024 | $99.6M | $157.8M | 14.15% | 14.34% | 5.40% |
| Q4 2024 | $105.3M | $161.4M | 13.60% | 15.18% | 5.09% |
| Q1 2025 | $103.9M | $163.2M | 9.83% | 15.20% | 5.19% |
| Q2 2025 | $106.3M | $161.9M | 9.77% | 14.76% | 4.88% |
| Q3 2025 | $108.7M | $156.4M | 9.44% | 12.88% | 4.54% |
| Q4 2025 | $108.1M | $162.3M | 9.53% | 12.39% | 4.44% |
| Q1 2026 | $102.3M | $165.6M | 9.48% | 12.73% | 4.67% |
| Q2 2026 | $104.7M | $170.4M | 9.30% | 12.48% | 4.47% |
The Bank of Beaver City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Beaver City, 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 of Beaver City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11862) · FFIEC NIC profile (RSSD 137456)