First Bank & Trust Company: 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 CRE concentration (Tier 1 capital + allowance): 26.89 percentage points lower than in Q1 2026, at 223.61%. Within Oklahoma, First Bank & Trust Company is 51st of 169 on loan-to-deposit ratio, 88.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Bank & Trust Company sits 7.59 points higher, at 88.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $710.2M |
| Net loans and leases | $700.9M |
| Loans held for sale | $0 |
| Loans to total assets | 74.60% |
| Loan-to-deposit ratio | 88.54% |
| Net loans to equity capital | 4.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.58% |
| Multifamily (5+ residential) | 6.02% |
| Commercial and industrial | 5.04% |
| Consumer | 2.76% |
| Credit cards | 0.00% |
| Farm | 5.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.61% |
| Construction concentration (Tier 1 capital + allowance) | 70.90% |
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 | 6.64% |
| Interest income on loans | $12.1M |
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 | $706.7M | $695.8M | 36.05% | 4.83% | 2.82% |
| Q4 2023 | $727.6M | $716.1M | 34.93% | 5.15% | 2.80% |
| Q1 2024 | $725.4M | $744.5M | 34.22% | 5.33% | 2.79% |
| Q2 2024 | $727.2M | $752.0M | 33.76% | 5.74% | 2.77% |
| Q3 2024 | $723.3M | $752.5M | 32.78% | 5.51% | 2.78% |
| Q4 2024 | $732.0M | $830.1M | 32.21% | 5.45% | 2.86% |
| Q1 2025 | $741.9M | $846.2M | 33.18% | 5.42% | 2.72% |
| Q2 2025 | $759.5M | $820.0M | 33.05% | 5.15% | 2.63% |
| Q3 2025 | $757.3M | $812.0M | 33.39% | 4.90% | 2.63% |
| Q4 2025 | $746.9M | $800.1M | 37.25% | 4.10% | 2.54% |
| Q1 2026 | $748.8M | $800.5M | 38.41% | 4.28% | 2.67% |
| Q2 2026 | $710.2M | $802.1M | 37.58% | 5.04% | 2.76% |
First Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27394) · FFIEC NIC profile (RSSD 1228034)