The First National Bank and Trust Company of Miami: 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 climbed 5.62 percentage points in Q2 2026, from 77.87% to 83.49%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First National Bank and Trust Company of Miami is 66th of 169 on loan-to-deposit ratio, 83.49% 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. The First National Bank and Trust Company of Miami sits 2.54 points higher, at 83.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $135.7M |
| Net loans and leases | $134.0M |
| Loans held for sale | $0 |
| Loans to total assets | 70.91% |
| Loan-to-deposit ratio | 83.49% |
| Net loans to equity capital | 4.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.69% |
| Multifamily (5+ residential) | 0.13% |
| Commercial and industrial | 4.24% |
| Consumer | 2.77% |
| Credit cards | 0.00% |
| Farm | 26.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.51% |
| Construction concentration (Tier 1 capital + allowance) | 23.92% |
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 | 7.06% |
| Interest income on loans | $2.4M |
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 | $92.2M | $198.4M | 17.34% | 4.34% | 4.19% |
| Q4 2023 | $99.9M | $192.5M | 17.53% | 5.08% | 3.86% |
| Q1 2024 | $104.2M | $194.5M | 17.77% | 5.65% | 3.71% |
| Q2 2024 | $108.7M | $186.0M | 19.67% | 6.16% | 3.52% |
| Q3 2024 | $102.8M | $176.1M | 19.73% | 6.43% | 3.85% |
| Q4 2024 | $113.4M | $175.7M | 18.59% | 5.99% | 3.33% |
| Q1 2025 | $116.9M | $179.8M | 17.52% | 5.33% | 3.18% |
| Q2 2025 | $124.5M | $179.0M | 17.57% | 5.54% | 3.00% |
| Q3 2025 | $121.8M | $182.8M | 18.06% | 4.68% | 3.14% |
| Q4 2025 | $130.7M | $179.6M | 16.77% | 3.98% | 2.80% |
| Q1 2026 | $138.6M | $178.0M | 17.63% | 4.00% | 2.56% |
| Q2 2026 | $135.7M | $162.6M | 17.69% | 4.24% | 2.77% |
The First National Bank and Trust Company of Miami loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank and Trust Company of Miami, 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 National Bank and Trust Company of Miami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4148) · FFIEC NIC profile (RSSD 837158)