Bank of Eufaula: 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 16.88 percentage points lower than in Q1 2026, at 8.22%. On loan-to-deposit ratio, Bank of Eufaula is 5th from the bottom among 169 Oklahoma banks, 30.19% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, Bank of Eufaula reported 30.19% on loan-to-deposit ratio in Q2 2026, 37.44 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.2M |
| Net loans and leases | $22.7M |
| Loans held for sale | $0 |
| Loans to total assets | 26.67% |
| Loan-to-deposit ratio | 30.19% |
| Net loans to equity capital | 2.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.80% |
| Multifamily (5+ residential) | 1.92% |
| Commercial and industrial | 5.90% |
| Consumer | 7.11% |
| Credit cards | 0.00% |
| Farm | 5.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.38% |
| Construction concentration (Tier 1 capital + allowance) | 8.22% |
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 | 6.88% |
| Interest income on loans | $396K |
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 | $37.2M | $105.5M | 11.53% | 8.65% | 19.08% |
| Q4 2023 | $36.0M | $110.5M | 11.14% | 9.21% | 19.07% |
| Q1 2024 | $31.8M | $97.3M | 12.14% | 5.98% | 16.44% |
| Q2 2024 | $30.2M | $94.0M | 11.83% | 6.36% | 15.77% |
| Q3 2024 | $28.0M | $89.3M | 12.14% | 6.67% | 14.76% |
| Q4 2024 | $26.8M | $94.3M | 12.54% | 6.44% | 13.40% |
| Q1 2025 | $25.0M | $87.1M | 12.91% | 6.58% | 12.70% |
| Q2 2025 | $23.8M | $86.8M | 12.37% | 7.17% | 11.19% |
| Q3 2025 | $23.6M | $81.4M | 12.10% | 6.49% | 9.64% |
| Q4 2025 | $22.9M | $81.5M | 16.67% | 6.26% | 9.11% |
| Q1 2026 | $22.8M | $74.9M | 16.38% | 5.90% | 8.35% |
| Q2 2026 | $23.2M | $77.0M | 27.80% | 5.90% | 7.11% |
Bank of Eufaula loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Eufaula, 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 Eufaula profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4094) · FFIEC NIC profile (RSSD 343051)