First National Bank and Trust Company of Ardmore: 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): 2.73 percentage points lower than in Q1 2026, at 149.58%. Within Oklahoma, First National Bank and Trust Company of Ardmore is 106th of 169 on loan-to-deposit ratio, 71.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank and Trust Company of Ardmore sits 9.78 points lower, at 71.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $417.5M |
| Net loans and leases | $411.9M |
| Loans held for sale | $0 |
| Loans to total assets | 60.80% |
| Loan-to-deposit ratio | 71.06% |
| Net loans to equity capital | 5.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.14% |
| Multifamily (5+ residential) | 1.66% |
| Commercial and industrial | 15.73% |
| Consumer | 3.68% |
| Credit cards | 0.00% |
| Farm | 5.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.58% |
| Construction concentration (Tier 1 capital + allowance) | 73.99% |
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 | 6.99% |
| Interest income on loans | $7.2M |
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 | $383.9M | $536.6M | 26.85% | 16.32% | 5.47% |
| Q4 2023 | $401.6M | $520.0M | 26.94% | 15.72% | 5.10% |
| Q1 2024 | $409.0M | $526.0M | 27.53% | 15.47% | 4.87% |
| Q2 2024 | $403.9M | $529.0M | 29.05% | 15.27% | 5.02% |
| Q3 2024 | $406.5M | $530.4M | 27.85% | 13.82% | 4.87% |
| Q4 2024 | $414.9M | $531.5M | 27.96% | 14.25% | 4.63% |
| Q1 2025 | $419.5M | $537.7M | 29.94% | 14.40% | 4.41% |
| Q2 2025 | $413.3M | $552.4M | 30.95% | 13.92% | 4.29% |
| Q3 2025 | $411.3M | $562.3M | 28.93% | 14.92% | 4.21% |
| Q4 2025 | $426.3M | $560.5M | 28.30% | 14.27% | 3.90% |
| Q1 2026 | $423.0M | $599.7M | 27.28% | 14.15% | 3.75% |
| Q2 2026 | $417.5M | $587.6M | 26.14% | 15.73% | 3.68% |
First National Bank and Trust Company of Ardmore loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust Company of Ardmore, 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 National Bank and Trust Company of Ardmore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4037) · FFIEC NIC profile (RSSD 984258)