The Bankers Bank: 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): 16.91 percentage points lower than in Q1 2026, at 44.33%. On loan-to-deposit ratio, The Bankers Bank ranks 15th highest among the 169 banks headquartered in Oklahoma, at 100.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bankers Bank sits 20.14 points higher, at 100.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $245.7M |
| Net loans and leases | $241.8M |
| Loans held for sale | $0 |
| Loans to total assets | 79.14% |
| Loan-to-deposit ratio | 100.98% |
| Net loans to equity capital | 6.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.00% |
| Multifamily (5+ residential) | 9.14% |
| Commercial and industrial | 2.69% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 1.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 302.08% |
| Construction concentration (Tier 1 capital + allowance) | 44.33% |
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 | 6.71% |
| Interest income on loans | $4.3M |
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 | $185.3M | $179.6M | 32.71% | 8.07% | 0.29% |
| Q4 2023 | $185.2M | $189.3M | 34.42% | 7.87% | 0.23% |
| Q1 2024 | $182.5M | $215.7M | 37.11% | 8.00% | 0.20% |
| Q2 2024 | $183.0M | $214.4M | 36.91% | 7.23% | 0.08% |
| Q3 2024 | $190.3M | $216.0M | 36.89% | 6.18% | 0.07% |
| Q4 2024 | $206.3M | $232.7M | 36.95% | 7.37% | 0.06% |
| Q1 2025 | $211.1M | $219.5M | 33.76% | 6.58% | 0.10% |
| Q2 2025 | $217.9M | $204.8M | 36.79% | 6.03% | 0.09% |
| Q3 2025 | $240.7M | $216.9M | 43.46% | 4.79% | 0.07% |
| Q4 2025 | $265.1M | $218.5M | 48.10% | 5.75% | 0.06% |
| Q1 2026 | $250.0M | $245.9M | 50.51% | 4.83% | 0.04% |
| Q2 2026 | $245.7M | $243.4M | 53.00% | 2.69% | 0.04% |
The Bankers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bankers Bank, 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 The Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26677) · FFIEC NIC profile (RSSD 859655)