BANK7: 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 Loans held for sale: 33.4% higher than in Q1 2026, at $5.2M. BANK7 ranks 21st of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 97.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. BANK7 sits 9.64 points higher, at 97.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.60B |
| Net loans and leases | $1.58B |
| Loans held for sale | $5.2M |
| Loans to total assets | 83.76% |
| Loan-to-deposit ratio | 97.84% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.85% |
| Multifamily (5+ residential) | 0.45% |
| Commercial and industrial | 33.84% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 2.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 252.46% |
| Construction concentration (Tier 1 capital + allowance) | 85.04% |
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 | 7.30% |
| Interest income on loans | $29.0M |
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 | $1.39B | $1.59B | 34.32% | 40.71% | 0.58% |
| Q4 2023 | $1.36B | $1.59B | 36.61% | 38.57% | 0.55% |
| Q1 2024 | $1.37B | $1.58B | 35.92% | 38.20% | 0.51% |
| Q2 2024 | $1.35B | $1.48B | 36.33% | 35.98% | 0.53% |
| Q3 2024 | $1.44B | $1.52B | 35.95% | 38.02% | 0.46% |
| Q4 2024 | $1.40B | $1.52B | 35.41% | 36.23% | 0.49% |
| Q1 2025 | $1.43B | $1.55B | 35.94% | 34.23% | 0.57% |
| Q2 2025 | $1.50B | $1.59B | 36.30% | 35.60% | 0.60% |
| Q3 2025 | $1.54B | $1.64B | 34.62% | 37.39% | 0.59% |
| Q4 2025 | $1.61B | $1.70B | 34.92% | 35.20% | 0.41% |
| Q1 2026 | $1.60B | $1.67B | 35.64% | 33.49% | 0.42% |
| Q2 2026 | $1.60B | $1.64B | 36.85% | 33.84% | 0.43% |
BANK7 loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK7, 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 BANK7 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4147) · FFIEC NIC profile (RSSD 18854)