Farmers State Bank, Allen, Oklahoma: 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 2.17 percentage points in Q2 2026, from 4.52% to 2.35%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Farmers State Bank, Allen, Oklahoma is 63rd of 169 on loan-to-deposit ratio, 83.87% as of Q2 2026, above the middle of the field. Farmers State Bank, Allen, Oklahoma reported 83.87% on loan-to-deposit ratio for Q2 2026, 16.24 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.8M |
| Net loans and leases | $40.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.27% |
| Loan-to-deposit ratio | 83.87% |
| Net loans to equity capital | 5.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.33% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.68% |
| Consumer | 18.83% |
| Credit cards | 0.00% |
| Farm | 6.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.35% |
| Construction concentration (Tier 1 capital + allowance) | 2.35% |
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 | 6.94% |
| Interest income on loans | $700K |
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 | $38.2M | $44.0M | 11.08% | 19.45% | 17.54% |
| Q4 2023 | $39.8M | $43.8M | 10.36% | 19.70% | 17.47% |
| Q1 2024 | $40.2M | $46.7M | 10.59% | 17.24% | 18.15% |
| Q2 2024 | $41.8M | $49.0M | 10.49% | 17.42% | 18.60% |
| Q3 2024 | $42.0M | $45.9M | 10.30% | 18.94% | 19.80% |
| Q4 2024 | $40.6M | $44.7M | 10.50% | 19.37% | 19.37% |
| Q1 2025 | $41.9M | $46.9M | 9.90% | 18.98% | 18.22% |
| Q2 2025 | $41.3M | $48.7M | 9.95% | 18.49% | 18.19% |
| Q3 2025 | $42.0M | $47.5M | 10.08% | 17.80% | 18.10% |
| Q4 2025 | $40.9M | $46.2M | 10.32% | 18.42% | 17.96% |
| Q1 2026 | $40.4M | $47.5M | 10.30% | 17.64% | 17.73% |
| Q2 2026 | $40.8M | $48.6M | 10.33% | 17.68% | 18.83% |
Farmers State Bank, Allen, Oklahoma loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank, Allen, Oklahoma, 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 Farmers State Bank, Allen, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12758) · FFIEC NIC profile (RSSD 37659)