Exchange Bank and Trust Company: 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.
Construction concentration (tier 1 capital + allowance) climbed 3.31 percentage points in Q2 2026, from 53.68% to 56.99%. It was the largest change from Q1 2026 among the key lines here. Exchange Bank and Trust Company ranks 64th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 83.75% (Q2 2026). Exchange Bank and Trust Company reported 83.75% on loan-to-deposit ratio for Q2 2026, 2.80 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $323.2M |
| Net loans and leases | $318.9M |
| Loans held for sale | $257K |
| Loans to total assets | 75.38% |
| Loan-to-deposit ratio | 83.75% |
| Net loans to equity capital | 8.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.00% |
| Multifamily (5+ residential) | 5.42% |
| Commercial and industrial | 10.13% |
| Consumer | 7.01% |
| Credit cards | 0.00% |
| Farm | 2.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 146.53% |
| Construction concentration (Tier 1 capital + allowance) | 56.99% |
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 | 7.57% |
| Interest income on loans | $6.0M |
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 | $267.2M | $342.5M | 27.14% | 10.85% | 6.72% |
| Q4 2023 | $272.8M | $344.7M | 27.37% | 10.79% | 7.08% |
| Q1 2024 | $282.2M | $358.7M | 27.13% | 10.81% | 7.25% |
| Q2 2024 | $287.6M | $356.0M | 27.11% | 10.88% | 7.51% |
| Q3 2024 | $291.7M | $361.4M | 27.50% | 11.21% | 7.53% |
| Q4 2024 | $289.8M | $364.4M | 27.58% | 10.88% | 7.87% |
| Q1 2025 | $292.5M | $368.4M | 26.40% | 10.64% | 7.78% |
| Q2 2025 | $297.9M | $373.2M | 26.08% | 10.44% | 7.74% |
| Q3 2025 | $305.5M | $372.9M | 26.31% | 10.07% | 7.69% |
| Q4 2025 | $316.1M | $375.4M | 26.47% | 10.15% | 7.30% |
| Q1 2026 | $318.1M | $391.2M | 26.01% | 10.10% | 7.13% |
| Q2 2026 | $323.2M | $385.9M | 25.00% | 10.13% | 7.01% |
Exchange Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank and Trust Company, 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 Exchange Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13366) · FFIEC NIC profile (RSSD 456755)