The City National Bank and Trust Company of Lawton, Oklahoma: 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 Commercial and industrial: 1.01 percentage points lower than in Q1 2026, at 2.67%. Within Oklahoma, The City National Bank and Trust Company of Lawton, Oklahoma is 73rd of 169 on loan-to-deposit ratio, 80.72% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The City National Bank and Trust Company of Lawton, Oklahoma reported 80.72% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $301.8M |
| Net loans and leases | $296.1M |
| Loans held for sale | $0 |
| Loans to total assets | 67.64% |
| Loan-to-deposit ratio | 80.72% |
| Net loans to equity capital | 5.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.25% |
| Multifamily (5+ residential) | 12.74% |
| Commercial and industrial | 2.67% |
| Consumer | 2.06% |
| Credit cards | 0.00% |
| Farm | 0.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.62% |
| Construction concentration (Tier 1 capital + allowance) | 49.95% |
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 | 5.89% |
| Interest income on loans | $4.4M |
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 | $311.9M | $387.3M | 43.39% | 5.25% | 3.98% |
| Q4 2023 | $318.3M | $365.8M | 43.05% | 5.07% | 3.80% |
| Q1 2024 | $317.5M | $372.1M | 43.03% | 5.28% | 3.70% |
| Q2 2024 | $326.8M | $369.8M | 40.87% | 5.04% | 4.36% |
| Q3 2024 | $322.2M | $367.4M | 41.00% | 3.56% | 3.26% |
| Q4 2024 | $319.0M | $343.8M | 40.59% | 3.94% | 3.12% |
| Q1 2025 | $318.8M | $372.0M | 40.46% | 4.09% | 2.94% |
| Q2 2025 | $313.8M | $373.3M | 40.21% | 3.00% | 2.64% |
| Q3 2025 | $306.5M | $368.9M | 39.46% | 3.23% | 2.48% |
| Q4 2025 | $303.1M | $361.9M | 40.70% | 3.62% | 2.32% |
| Q1 2026 | $301.1M | $373.6M | 40.99% | 3.68% | 2.15% |
| Q2 2026 | $301.8M | $373.9M | 40.25% | 2.67% | 2.06% |
The City National Bank and Trust Company of Lawton, Oklahoma loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank and Trust Company of Lawton, Oklahoma, 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 City National Bank and Trust Company of Lawton, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4132) · FFIEC NIC profile (RSSD 294751)