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) climbed 24.48 percentage points in Q2 2026, from 221.34% to 245.82%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Bank of Commerce is 91st of 169 on loan-to-deposit ratio, 76.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Commerce sits 4.20 points lower, at 76.64% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $225.3M |
| Net loans and leases | $222.6M |
| Loans held for sale | $3.4M |
| Loans to total assets | 67.47% |
| Loan-to-deposit ratio | 76.64% |
| Net loans to equity capital | 6.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.33% |
| Multifamily (5+ residential) | 0.54% |
| Commercial and industrial | 18.67% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 6.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 245.82% |
| Construction concentration (Tier 1 capital + allowance) | 42.12% |
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 | 7.31% |
| Interest income on loans | $4.0M |
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 | $249.5M | $291.4M | 37.29% | 23.10% | 1.35% |
| Q4 2023 | $260.6M | $280.7M | 36.27% | 26.79% | 1.41% |
| Q1 2024 | $262.9M | $310.3M | 38.39% | 24.94% | 1.43% |
| Q2 2024 | $273.8M | $309.0M | 36.73% | 22.43% | 1.41% |
| Q3 2024 | $281.0M | $325.7M | 35.54% | 23.93% | 1.53% |
| Q4 2024 | $278.2M | $318.3M | 40.73% | 20.05% | 1.31% |
| Q1 2025 | $266.2M | $307.9M | 38.83% | 19.56% | 1.01% |
| Q2 2025 | $264.9M | $305.7M | 39.95% | 19.42% | 0.99% |
| Q3 2025 | $256.9M | $307.8M | 39.07% | 20.07% | 0.93% |
| Q4 2025 | $244.2M | $305.7M | 37.81% | 18.85% | 0.93% |
| Q1 2026 | $228.4M | $299.6M | 39.26% | 21.27% | 0.88% |
| Q2 2026 | $225.3M | $294.0M | 42.33% | 18.67% | 0.76% |
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 57491) · FFIEC NIC profile (RSSD 3134698)