Corebank: 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): 20.55 percentage points lower than in Q1 2026, at 54.81%. Corebank ranks 50th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 88.57% (Q2 2026). Corebank reported 88.57% on loan-to-deposit ratio for Q2 2026, 8.01 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $94.8M |
| Net loans and leases | $93.7M |
| Loans held for sale | $0 |
| Loans to total assets | 77.63% |
| Loan-to-deposit ratio | 88.57% |
| Net loans to equity capital | 6.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.11% |
| Multifamily (5+ residential) | 0.27% |
| Commercial and industrial | 19.18% |
| Consumer | 0.41% |
| Credit cards | 0.00% |
| Farm | 0.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.87% |
| Construction concentration (Tier 1 capital + allowance) | 54.81% |
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 | 8.21% |
| Interest income on loans | $2.0M |
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 | $77.2M | $85.6M | 18.08% | 14.62% | 0.49% |
| Q4 2023 | $83.1M | $93.2M | 16.96% | 16.25% | 0.71% |
| Q1 2024 | $84.0M | $92.7M | 16.70% | 15.53% | 0.67% |
| Q2 2024 | $88.7M | $98.4M | 16.02% | 21.58% | 0.48% |
| Q3 2024 | $94.9M | $106.2M | 15.85% | 24.24% | 2.08% |
| Q4 2024 | $94.7M | $103.7M | 14.80% | 23.93% | 0.84% |
| Q1 2025 | $96.6M | $118.8M | 17.67% | 23.60% | 0.51% |
| Q2 2025 | $98.0M | $115.6M | 18.75% | 23.56% | 0.64% |
| Q3 2025 | $98.0M | $108.5M | 16.68% | 23.48% | 0.83% |
| Q4 2025 | $100.4M | $111.0M | 19.74% | 19.95% | 0.70% |
| Q1 2026 | $95.9M | $113.9M | 12.18% | 20.66% | 1.10% |
| Q2 2026 | $94.8M | $107.0M | 16.11% | 19.18% | 0.41% |
Corebank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Corebank, 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 Corebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18063) · FFIEC NIC profile (RSSD 474656)