First American 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 Loan-to-deposit ratio: 1.55 percentage points higher than in Q1 2026, at 73.38%. First American Bank ranks 99th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 73.38% (Q2 2026). First American Bank reported 73.38% on loan-to-deposit ratio for Q2 2026, 5.75 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.7M |
| Net loans and leases | $21.2M |
| Loans held for sale | $0 |
| Loans to total assets | 63.15% |
| Loan-to-deposit ratio | 73.38% |
| Net loans to equity capital | 4.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.12% |
| Multifamily (5+ residential) | 1.03% |
| Commercial and industrial | 24.91% |
| Consumer | 8.61% |
| Credit cards | 0.00% |
| Farm | 14.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.48% |
| Construction concentration (Tier 1 capital + allowance) | 0.10% |
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 | 7.40% |
| Interest income on loans | $405K |
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 | $23.4M | $30.2M | 3.31% | 30.76% | 9.11% |
| Q4 2023 | $23.9M | $29.8M | 3.16% | 30.89% | 8.57% |
| Q1 2024 | $24.9M | $32.2M | 2.95% | 32.05% | 8.10% |
| Q2 2024 | $24.8M | $30.1M | 2.89% | 31.26% | 8.28% |
| Q3 2024 | $24.8M | $30.2M | 2.83% | 33.00% | 8.19% |
| Q4 2024 | $24.8M | $28.9M | 2.71% | 31.58% | 8.45% |
| Q1 2025 | $24.2M | $32.7M | 3.81% | 29.76% | 8.40% |
| Q2 2025 | $23.6M | $31.9M | 3.78% | 28.55% | 8.26% |
| Q3 2025 | $22.0M | $30.6M | 3.97% | 26.39% | 8.34% |
| Q4 2025 | $22.3M | $30.1M | 3.83% | 25.90% | 8.39% |
| Q1 2026 | $22.6M | $31.4M | 4.66% | 25.15% | 8.24% |
| Q2 2026 | $21.7M | $29.5M | 5.12% | 24.91% | 8.61% |
First American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15762) · FFIEC NIC profile (RSSD 321255)