Bank of Grand Lake: 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 1.91 percentage points in Q2 2026, from 20.12% to 18.20%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Bank of Grand Lake is 105th of 169 on loan-to-deposit ratio, 71.53% as of Q2 2026, below the middle of the field. Bank of Grand Lake reported 71.53% on loan-to-deposit ratio for Q2 2026, 9.31 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $156.5M |
| Net loans and leases | $155.5M |
| Loans held for sale | $0 |
| Loans to total assets | 62.81% |
| Loan-to-deposit ratio | 71.53% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.27% |
| Multifamily (5+ residential) | 0.80% |
| Commercial and industrial | 2.58% |
| Consumer | 3.38% |
| Credit cards | 0.00% |
| Farm | 7.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.85% |
| Construction concentration (Tier 1 capital + allowance) | 18.20% |
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 | 6.19% |
| Interest income on loans | $2.1M |
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 | $142.1M | $215.3M | 26.78% | 4.23% | 4.68% |
| Q4 2023 | $147.8M | $209.2M | 26.39% | 4.64% | 4.49% |
| Q1 2024 | $148.7M | $226.7M | 27.01% | 4.70% | 4.56% |
| Q2 2024 | $147.4M | $227.9M | 26.65% | 4.01% | 4.36% |
| Q3 2024 | $148.1M | $225.3M | 26.86% | 3.75% | 4.16% |
| Q4 2024 | $149.2M | $218.3M | 25.10% | 3.45% | 4.22% |
| Q1 2025 | $147.2M | $230.7M | 24.21% | 2.92% | 4.12% |
| Q2 2025 | $143.7M | $221.2M | 24.24% | 3.04% | 4.21% |
| Q3 2025 | $145.9M | $213.8M | 22.64% | 2.92% | 4.12% |
| Q4 2025 | $148.6M | $204.5M | 21.86% | 2.58% | 3.70% |
| Q1 2026 | $152.0M | $213.1M | 21.70% | 2.57% | 3.44% |
| Q2 2026 | $156.5M | $218.8M | 22.27% | 2.58% | 3.38% |
Bank of Grand Lake loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Grand Lake, 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 Grand Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57915) · FFIEC NIC profile (RSSD 3286999)