Cattlemens 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): 9.91 percentage points higher than in Q1 2026, at 33.01%. On loan-to-deposit ratio, Cattlemens Bank ranks 3rd highest among the 169 banks headquartered in Oklahoma, at 112.06% (Q2 2026). Cattlemens Bank reported 112.06% on loan-to-deposit ratio for Q2 2026, 31.22 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $525.5M |
| Net loans and leases | $520.5M |
| Loans held for sale | $0 |
| Loans to total assets | 88.29% |
| Loan-to-deposit ratio | 112.06% |
| Net loans to equity capital | 8.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.94% |
| Multifamily (5+ residential) | 9.75% |
| Commercial and industrial | 3.52% |
| Consumer | 0.21% |
| Credit cards | 0.00% |
| Farm | 13.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 286.34% |
| Construction concentration (Tier 1 capital + allowance) | 33.01% |
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 | 7.11% |
| Interest income on loans | $9.2M |
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 | $444.5M | $387.0M | 39.73% | 3.13% | 0.27% |
| Q4 2023 | $450.3M | $386.3M | 39.84% | 3.54% | 0.25% |
| Q1 2024 | $463.2M | $399.6M | 38.44% | 3.22% | 0.24% |
| Q2 2024 | $474.7M | $405.4M | 38.53% | 3.15% | 0.21% |
| Q3 2024 | $465.7M | $411.5M | 38.32% | 3.01% | 0.20% |
| Q4 2024 | $468.3M | $411.6M | 38.31% | 3.43% | 0.21% |
| Q1 2025 | $478.5M | $424.8M | 37.91% | 3.22% | 0.19% |
| Q2 2025 | $475.3M | $434.8M | 38.48% | 3.16% | 0.18% |
| Q3 2025 | $484.9M | $436.9M | 38.79% | 3.15% | 0.19% |
| Q4 2025 | $515.8M | $457.5M | 39.04% | 3.21% | 0.18% |
| Q1 2026 | $513.2M | $455.6M | 38.72% | 3.71% | 0.20% |
| Q2 2026 | $525.5M | $468.9M | 38.94% | 3.52% | 0.21% |
Cattlemens Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cattlemens 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 Cattlemens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12285) · FFIEC NIC profile (RSSD 284556)