Bank of Vici: 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 Net loans to equity capital: 17.19 percentage points higher than in Q1 2026, at 24.95%. Within Oklahoma, Bank of Vici is 148th of 169 on loan-to-deposit ratio, 46.13% as of Q2 2026, below the middle of the field. Bank of Vici reported 46.13% on loan-to-deposit ratio for Q2 2026, 21.49 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.4M |
| Net loans and leases | $12.0M |
| Loans held for sale | $0 |
| Loans to total assets | 45.26% |
| Loan-to-deposit ratio | 46.13% |
| Net loans to equity capital | 24.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.90% |
| Multifamily (5+ residential) | 5.27% |
| Commercial and industrial | 30.04% |
| Consumer | 26.70% |
| Credit cards | 0.00% |
| Farm | 5.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 98.13% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.63% |
| Interest income on loans | $276K |
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 | $19.9M | $30.4M | 16.04% | 36.88% | 28.97% |
| Q4 2023 | $20.7M | $29.1M | 20.30% | 33.83% | 27.48% |
| Q1 2024 | $20.0M | $29.9M | 21.32% | 31.13% | 28.38% |
| Q2 2024 | $20.0M | $29.0M | 22.67% | 30.77% | 29.56% |
| Q3 2024 | $20.0M | $29.3M | 22.33% | 29.61% | 27.81% |
| Q4 2024 | $18.1M | $31.8M | 22.88% | 30.55% | 27.74% |
| Q1 2025 | $17.9M | $31.6M | 23.17% | 34.75% | 25.46% |
| Q2 2025 | $15.9M | $30.9M | 17.47% | 36.33% | 27.04% |
| Q3 2025 | $15.6M | $28.8M | 17.50% | 38.16% | 26.39% |
| Q4 2025 | $14.7M | $27.1M | 17.44% | 41.25% | 25.74% |
| Q1 2026 | $15.0M | $29.8M | 16.60% | 40.21% | 23.14% |
| Q2 2026 | $12.4M | $26.8M | 10.90% | 30.04% | 26.70% |
Bank of Vici loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Vici, 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 Vici profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 420) · FFIEC NIC profile (RSSD 286251)