Community 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.
CRE concentration (Tier 1 capital + allowance) dropped 3.85 percentage points in Q2 2026, from 218.50% to 214.65%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Community Bank is 44th of 169 on loan-to-deposit ratio, 91.15% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Community Bank sits 10.60 points higher, at 91.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $97.5M |
| Net loans and leases | $96.3M |
| Loans held for sale | $0 |
| Loans to total assets | 81.85% |
| Loan-to-deposit ratio | 91.15% |
| Net loans to equity capital | 8.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.21% |
| Multifamily (5+ residential) | 1.07% |
| Commercial and industrial | 8.12% |
| Consumer | 4.49% |
| Credit cards | 0.00% |
| Farm | 4.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.65% |
| Construction concentration (Tier 1 capital + allowance) | 154.08% |
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 | 7.92% |
| Interest income on loans | $1.9M |
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 | $78.3M | $97.0M | 12.86% | 9.69% | 7.35% |
| Q4 2023 | $81.1M | $96.7M | 11.51% | 9.08% | 7.12% |
| Q1 2024 | $82.0M | $100.3M | 11.54% | 9.35% | 6.84% |
| Q2 2024 | $88.3M | $101.3M | 10.55% | 8.69% | 6.10% |
| Q3 2024 | $87.2M | $99.6M | 10.80% | 9.31% | 6.07% |
| Q4 2024 | $87.7M | $97.1M | 11.73% | 9.25% | 5.79% |
| Q1 2025 | $84.6M | $97.8M | 13.97% | 9.79% | 5.79% |
| Q2 2025 | $91.1M | $96.9M | 13.35% | 9.24% | 5.16% |
| Q3 2025 | $88.0M | $97.6M | 13.45% | 9.12% | 5.41% |
| Q4 2025 | $93.7M | $100.5M | 14.75% | 8.88% | 4.91% |
| Q1 2026 | $95.5M | $102.9M | 14.02% | 9.09% | 4.67% |
| Q2 2026 | $97.5M | $106.9M | 13.21% | 8.12% | 4.49% |
Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8975) · FFIEC NIC profile (RSSD 938550)