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 Construction concentration (Tier 1 capital + allowance): 4.25 percentage points higher than in Q1 2026, at 18.44%. First Bank & Trust Company ranks 122nd of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 65.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Bank & Trust Company sits 15.31 points lower, at 65.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.5M |
| Net loans and leases | $149.3M |
| Loans held for sale | $0 |
| Loans to total assets | 58.99% |
| Loan-to-deposit ratio | 65.63% |
| Net loans to equity capital | 6.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.28% |
| Multifamily (5+ residential) | 0.74% |
| Commercial and industrial | 7.81% |
| Consumer | 7.77% |
| Credit cards | 0.00% |
| Farm | 19.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.43% |
| Construction concentration (Tier 1 capital + allowance) | 18.44% |
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 | 7.45% |
| Interest income on loans | $2.8M |
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 | $128.2M | $204.9M | 9.60% | 11.55% | 10.25% |
| Q4 2023 | $134.7M | $203.9M | 9.09% | 10.35% | 9.66% |
| Q1 2024 | $140.2M | $206.3M | 8.76% | 10.64% | 9.37% |
| Q2 2024 | $140.6M | $204.1M | 8.35% | 10.35% | 9.33% |
| Q3 2024 | $136.9M | $205.9M | 8.63% | 10.33% | 9.77% |
| Q4 2024 | $144.0M | $214.4M | 8.31% | 9.37% | 9.39% |
| Q1 2025 | $146.8M | $225.8M | 8.17% | 9.00% | 8.87% |
| Q2 2025 | $142.6M | $217.0M | 8.07% | 9.20% | 9.06% |
| Q3 2025 | $145.4M | $216.4M | 7.81% | 9.55% | 8.85% |
| Q4 2025 | $148.1M | $219.3M | 7.81% | 8.35% | 8.47% |
| Q1 2026 | $150.2M | $234.3M | 8.28% | 6.92% | 7.88% |
| Q2 2026 | $150.5M | $229.3M | 8.28% | 7.81% | 7.77% |
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 13946) · FFIEC NIC profile (RSSD 640956)