The First Bank of Okarche: 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.
Loan-to-deposit ratio dropped 3.91 percentage points in Q3 2026, from 37.92% to 34.01%. It was the largest change from Q2 2026 among the key lines here. The First Bank of Okarche has the 10th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 34.01% as of Q3 2026. The First Bank of Okarche's loan-to-deposit ratio of 34.01% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 46.94 points (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $40.6M |
| Net loans and leases | $39.5M |
| Loans held for sale | $0 |
| Loans to total assets | 28.32% |
| Loan-to-deposit ratio | 34.01% |
| Net loans to equity capital | 1.72% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.90% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.51% |
| Consumer | 4.08% |
| Credit cards | 0.00% |
| Farm | 15.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.44% |
| Construction concentration (Tier 1 capital + allowance) | 0.54% |
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 | 7.28% |
| Interest income on loans | $756K |
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 | $49.1M | $119.9M | 2.40% | 11.09% | 5.18% |
| Q1 2024 | $49.9M | $118.2M | 2.80% | 11.67% | 4.98% |
| Q2 2024 | $41.9M | $117.0M | 3.39% | 13.38% | 6.08% |
| Q3 2024 | $39.8M | $114.9M | 3.56% | 13.81% | 5.47% |
| Q4 2024 | $49.8M | $115.6M | 2.78% | 11.01% | 4.07% |
| Q1 2025 | $51.4M | $116.8M | 2.65% | 11.45% | 3.73% |
| Q2 2025 | $44.3M | $118.1M | 3.02% | 12.54% | 4.02% |
| Q3 2025 | $44.0M | $117.6M | 2.88% | 12.08% | 4.02% |
| Q4 2025 | $59.4M | $115.7M | 2.10% | 8.31% | 2.89% |
| Q1 2026 | $54.8M | $115.4M | 2.24% | 8.89% | 3.25% |
| Q2 2026 | $43.3M | $114.1M | 2.78% | 10.87% | 3.73% |
| Q3 2026 | $40.6M | $119.5M | 2.90% | 11.51% | 4.08% |
The First Bank of Okarche loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank of Okarche, 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 The First Bank of Okarche profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1165) · FFIEC NIC profile (RSSD 918150)