Cowboy 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 CRE concentration (Tier 1 capital + allowance): 11.16 percentage points lower than in Q1 2026, at 109.34%. Cowboy Bank ranks 56th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 86.43% (Q2 2026). Cowboy Bank reported 86.43% on loan-to-deposit ratio for Q2 2026, 5.59 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $257.3M |
| Net loans and leases | $254.1M |
| Loans held for sale | $0 |
| Loans to total assets | 73.46% |
| Loan-to-deposit ratio | 86.43% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.31% |
| Multifamily (5+ residential) | 0.50% |
| Commercial and industrial | 15.01% |
| Consumer | 2.49% |
| Credit cards | 0.00% |
| Farm | 18.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.34% |
| Construction concentration (Tier 1 capital + allowance) | 7.05% |
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 | 6.99% |
| Interest income on loans | $4.7M |
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 | $230.7M | $289.9M | 12.91% | 16.89% | 2.76% |
| Q4 2023 | $247.3M | $313.3M | 13.56% | 15.07% | 2.62% |
| Q1 2024 | $259.0M | $308.5M | 13.39% | 13.91% | 2.77% |
| Q2 2024 | $249.1M | $312.5M | 14.26% | 13.69% | 2.89% |
| Q3 2024 | $244.6M | $320.1M | 14.92% | 13.60% | 2.62% |
| Q4 2024 | $265.7M | $313.4M | 17.33% | 14.22% | 2.35% |
| Q1 2025 | $270.1M | $302.6M | 17.89% | 13.82% | 2.17% |
| Q2 2025 | $251.2M | $289.1M | 19.41% | 15.74% | 2.23% |
| Q3 2025 | $255.1M | $300.5M | 21.50% | 14.10% | 2.27% |
| Q4 2025 | $281.8M | $321.0M | 21.41% | 12.23% | 2.08% |
| Q1 2026 | $276.9M | $319.2M | 21.81% | 12.09% | 2.04% |
| Q2 2026 | $257.3M | $297.7M | 22.31% | 15.01% | 2.49% |
Cowboy Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cowboy 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 Cowboy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11526) · FFIEC NIC profile (RSSD 883959)