Fairview Savings and Loan Association: 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) climbed 3.11 percentage points in Q3 2026, from 9.35% to 12.46%. It was the largest change from Q2 2026 among the key lines here. Fairview Savings and Loan Association ranks 54th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 86.77% (Q3 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Fairview Savings and Loan Association sits 18.84 points higher, at 86.77% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $45.6M |
| Net loans and leases | $45.4M |
| Loans held for sale | $0 |
| Loans to total assets | 68.51% |
| Loan-to-deposit ratio | 86.77% |
| Net loans to equity capital | 3.31% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.14% |
| Multifamily (5+ residential) | 0.77% |
| Commercial and industrial | 3.28% |
| Consumer | 2.42% |
| Credit cards | 0.00% |
| Farm | 38.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.46% |
| Construction concentration (Tier 1 capital + allowance) | 5.81% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.21% |
| Interest income on loans | $686K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $43.2M | $39.9M | 9.81% | 3.75% | 2.75% |
| Q1 2024 | $42.2M | $40.6M | 9.84% | 3.75% | 2.93% |
| Q2 2024 | $42.9M | $39.9M | 9.51% | 3.43% | 3.29% |
| Q3 2024 | $43.0M | $40.3M | 9.46% | 2.84% | 3.19% |
| Q4 2024 | $42.5M | $42.4M | 9.62% | 3.32% | 3.05% |
| Q1 2025 | $42.9M | $46.1M | 9.34% | 3.36% | 2.96% |
| Q2 2025 | $44.5M | $45.3M | 9.98% | 3.32% | 2.89% |
| Q3 2025 | $44.2M | $45.2M | 10.49% | 3.54% | 2.49% |
| Q4 2025 | $45.5M | $47.5M | 10.52% | 3.41% | 2.59% |
| Q1 2026 | $44.3M | $49.9M | 10.64% | 3.39% | 2.40% |
| Q2 2026 | $43.7M | $51.4M | 10.88% | 3.36% | 2.33% |
| Q3 2026 | $45.6M | $52.6M | 12.14% | 3.28% | 2.42% |
Fairview Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairview Savings and Loan Association, 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 Fairview Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28652) · FFIEC NIC profile (RSSD 618777)