First Liberty Bank: 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) climbed 15.29 percentage points in Q2 2026, from 270.59% to 285.88%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Liberty Bank is 34th of 169 on loan-to-deposit ratio, 94.35% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Liberty Bank sits 13.51 points higher, at 94.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $724.9M |
| Net loans and leases | $714.3M |
| Loans held for sale | $2.3M |
| Loans to total assets | 81.91% |
| Loan-to-deposit ratio | 94.35% |
| Net loans to equity capital | 7.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.44% |
| Multifamily (5+ residential) | 1.24% |
| Commercial and industrial | 30.56% |
| Consumer | 0.12% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 285.88% |
| Construction concentration (Tier 1 capital + allowance) | 73.09% |
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 | 7.35% |
| Interest income on loans | $13.1M |
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 | $559.5M | $554.9M | 30.22% | 32.80% | 0.23% |
| Q4 2023 | $575.3M | $598.7M | 28.15% | 34.43% | 0.16% |
| Q1 2024 | $585.5M | $598.5M | 28.19% | 34.86% | 0.26% |
| Q2 2024 | $595.2M | $607.8M | 26.61% | 33.80% | 0.31% |
| Q3 2024 | $624.7M | $617.6M | 27.60% | 32.34% | 0.18% |
| Q4 2024 | $651.0M | $666.8M | 27.65% | 34.34% | 0.14% |
| Q1 2025 | $681.3M | $687.5M | 31.97% | 33.79% | 0.10% |
| Q2 2025 | $694.9M | $697.2M | 34.82% | 34.08% | 0.17% |
| Q3 2025 | $686.3M | $717.1M | 33.68% | 35.13% | 0.15% |
| Q4 2025 | $701.7M | $735.4M | 35.86% | 34.53% | 0.11% |
| Q1 2026 | $706.6M | $720.6M | 38.29% | 32.39% | 0.09% |
| Q2 2026 | $724.9M | $768.3M | 40.44% | 30.56% | 0.12% |
First Liberty Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Liberty Bank, 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 Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14029) · FFIEC NIC profile (RSSD 898850)