The First Farmers National Bank of Waurika: 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 6.37 percentage points in Q2 2026, from 44.38% to 38.01%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First Farmers National Bank of Waurika is 15th from the bottom among 169 Oklahoma banks, 38.01% (Q2 2026). The First Farmers National Bank of Waurika reported 38.01% on loan-to-deposit ratio for Q2 2026, 29.62 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.9M |
| Net loans and leases | $16.8M |
| Loans held for sale | $0 |
| Loans to total assets | 32.23% |
| Loan-to-deposit ratio | 38.01% |
| Net loans to equity capital | 2.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.35% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.88% |
| Consumer | 9.00% |
| Credit cards | 0.00% |
| Farm | 16.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.34% |
| Interest income on loans | $366K |
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 | $16.6M | $45.2M | 0.00% | 6.28% | 8.00% |
| Q4 2023 | $22.1M | $46.8M | 0.00% | 4.91% | 5.85% |
| Q1 2024 | $22.0M | $45.3M | 0.00% | 4.90% | 6.27% |
| Q2 2024 | $14.1M | $44.9M | 0.00% | 8.08% | 9.70% |
| Q3 2024 | $13.3M | $44.6M | 0.00% | 8.17% | 11.67% |
| Q4 2024 | $19.9M | $49.4M | 0.00% | 5.48% | 7.42% |
| Q1 2025 | $23.7M | $46.2M | 0.00% | 5.93% | 6.25% |
| Q2 2025 | $16.4M | $45.3M | 0.00% | 6.67% | 8.67% |
| Q3 2025 | $17.0M | $46.5M | 6.34% | 4.70% | 8.87% |
| Q4 2025 | $23.3M | $48.8M | 4.29% | 3.17% | 6.67% |
| Q1 2026 | $21.9M | $49.3M | 4.38% | 3.43% | 7.95% |
| Q2 2026 | $17.9M | $47.1M | 5.35% | 3.88% | 9.00% |
The First Farmers National Bank of Waurika loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Farmers National Bank of Waurika, 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 Farmers National Bank of Waurika profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4222) · FFIEC NIC profile (RSSD 353957)