Bank of Commerce: 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 6.20 percentage points in Q2 2026, from 122.80% to 116.60%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Bank of Commerce is 87th of 169 on loan-to-deposit ratio, 77.66% as of Q2 2026, below the middle of the field. Bank of Commerce reported 77.66% on loan-to-deposit ratio for Q2 2026, 3.28 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $135.5M |
| Net loans and leases | $133.5M |
| Loans held for sale | $0 |
| Loans to total assets | 66.69% |
| Loan-to-deposit ratio | 77.66% |
| Net loans to equity capital | 5.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.42% |
| Multifamily (5+ residential) | 0.90% |
| Commercial and industrial | 7.48% |
| Consumer | 11.21% |
| Credit cards | 0.00% |
| Farm | 3.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 116.60% |
| Construction concentration (Tier 1 capital + allowance) | 72.90% |
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 | 8.10% |
| Interest income on loans | $2.7M |
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 | $127.9M | $165.5M | 37.20% | 9.81% | 15.57% |
| Q4 2023 | $129.2M | $168.3M | 34.65% | 11.72% | 15.77% |
| Q1 2024 | $123.5M | $180.0M | 32.48% | 10.44% | 16.42% |
| Q2 2024 | $121.7M | $178.6M | 33.07% | 8.76% | 16.13% |
| Q3 2024 | $123.2M | $170.4M | 31.69% | 10.77% | 15.71% |
| Q4 2024 | $122.9M | $161.9M | 31.42% | 9.45% | 14.94% |
| Q1 2025 | $124.4M | $162.6M | 29.62% | 9.08% | 14.81% |
| Q2 2025 | $124.1M | $157.7M | 31.44% | 7.72% | 14.47% |
| Q3 2025 | $123.1M | $151.6M | 30.38% | 7.77% | 14.16% |
| Q4 2025 | $133.8M | $158.7M | 31.20% | 9.15% | 12.78% |
| Q1 2026 | $131.4M | $177.0M | 35.29% | 6.65% | 12.26% |
| Q2 2026 | $135.5M | $174.5M | 34.42% | 7.48% | 11.21% |
Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, 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 Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13274) · FFIEC NIC profile (RSSD 152057)