First Bank of Owasso: 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 4.33 percentage points in Q2 2026, from 112.19% to 107.86%. It was the largest change from Q1 2026 among the key lines here. First Bank of Owasso ranks 42nd of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 91.52% (Q2 2026). First Bank of Owasso reported 91.52% on loan-to-deposit ratio for Q2 2026, 10.58 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $493.0M |
| Net loans and leases | $486.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.12% |
| Loan-to-deposit ratio | 91.52% |
| Net loans to equity capital | 4.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 75.84% |
| Multifamily (5+ residential) | 0.52% |
| Commercial and industrial | 3.51% |
| Consumer | 0.40% |
| Credit cards | 0.00% |
| Farm | 0.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.86% |
| Construction concentration (Tier 1 capital + allowance) | 29.27% |
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 | 7.28% |
| Interest income on loans | $8.9M |
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 | $403.9M | $454.2M | 76.51% | 3.79% | 0.58% |
| Q4 2023 | $403.9M | $442.6M | 76.77% | 4.00% | 0.62% |
| Q1 2024 | $408.1M | $479.2M | 77.49% | 3.84% | 0.56% |
| Q2 2024 | $407.7M | $444.7M | 77.83% | 3.74% | 0.51% |
| Q3 2024 | $418.4M | $435.8M | 76.80% | 3.61% | 0.51% |
| Q4 2024 | $444.9M | $455.2M | 77.15% | 3.19% | 0.47% |
| Q1 2025 | $455.1M | $538.7M | 77.74% | 2.74% | 0.45% |
| Q2 2025 | $451.7M | $499.8M | 77.28% | 2.84% | 0.45% |
| Q3 2025 | $460.0M | $498.0M | 77.21% | 2.87% | 0.46% |
| Q4 2025 | $470.3M | $486.6M | 76.42% | 2.77% | 0.42% |
| Q1 2026 | $482.3M | $548.9M | 76.68% | 2.73% | 0.41% |
| Q2 2026 | $493.0M | $538.7M | 75.84% | 3.51% | 0.40% |
First Bank of Owasso loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Owasso, 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 Bank of Owasso profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18592) · FFIEC NIC profile (RSSD 637554)