The Community State 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 6.98 percentage points in Q2 2026, from 150.14% to 143.16%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Community State Bank is 77th of 169 on loan-to-deposit ratio, 80.30% as of Q2 2026, above the middle of the field. At 80.30%, The Community State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $291.7M |
| Net loans and leases | $288.2M |
| Loans held for sale | $0 |
| Loans to total assets | 74.21% |
| Loan-to-deposit ratio | 80.30% |
| Net loans to equity capital | 10.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.32% |
| Multifamily (5+ residential) | 0.68% |
| Commercial and industrial | 9.55% |
| Consumer | 6.28% |
| Credit cards | 0.00% |
| Farm | 18.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.16% |
| Construction concentration (Tier 1 capital + allowance) | 68.97% |
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 | 7.65% |
| Interest income on loans | $5.4M |
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 | $247.5M | $300.1M | 14.22% | 9.89% | 6.33% |
| Q4 2023 | $253.6M | $297.9M | 14.73% | 9.92% | 6.26% |
| Q1 2024 | $253.3M | $316.5M | 15.58% | 9.96% | 6.35% |
| Q2 2024 | $258.4M | $317.2M | 15.54% | 9.60% | 6.27% |
| Q3 2024 | $257.1M | $315.5M | 15.49% | 9.35% | 6.56% |
| Q4 2024 | $256.6M | $324.3M | 16.10% | 9.56% | 6.52% |
| Q1 2025 | $259.9M | $352.6M | 16.39% | 9.91% | 6.47% |
| Q2 2025 | $264.3M | $334.0M | 16.17% | 9.62% | 6.73% |
| Q3 2025 | $270.0M | $339.1M | 15.78% | 9.34% | 6.60% |
| Q4 2025 | $277.8M | $351.5M | 15.27% | 9.29% | 6.36% |
| Q1 2026 | $283.1M | $361.0M | 15.03% | 9.86% | 6.12% |
| Q2 2026 | $291.7M | $363.3M | 14.32% | 9.55% | 6.28% |
The Community State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Community State 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20279) · FFIEC NIC profile (RSSD 706254)