The First National Bank of Fletcher: 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 19.27 percentage points in Q2 2026, from 0.00% to 19.27%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Fletcher is 2nd from the bottom among 169 Oklahoma banks, 19.79% (Q2 2026). Against a median of 67.92% for banks in the < $100M asset tier, The First National Bank of Fletcher reported 19.79% on loan-to-deposit ratio in Q2 2026, 48.13 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.2M |
| Net loans and leases | $4.0M |
| Loans held for sale | $0 |
| Loans to total assets | 17.99% |
| Loan-to-deposit ratio | 19.79% |
| Net loans to equity capital | 1.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.56% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 41.78% |
| Consumer | 19.49% |
| Credit cards | 0.00% |
| Farm | 10.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.27% |
| 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 | 11.52% |
| Interest income on loans | $86K |
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 | $4.1M | $20.8M | 4.06% | 43.82% | 22.02% |
| Q4 2023 | $4.3M | $19.9M | 8.51% | 40.34% | 22.25% |
| Q1 2024 | $4.2M | $20.2M | 11.28% | 36.30% | 23.30% |
| Q2 2024 | $4.5M | $20.2M | 13.89% | 37.69% | 22.01% |
| Q3 2024 | $4.3M | $19.7M | 14.21% | 36.03% | 21.89% |
| Q4 2024 | $3.9M | $19.5M | 15.59% | 39.55% | 21.70% |
| Q1 2025 | $4.2M | $21.6M | 14.38% | 39.96% | 23.68% |
| Q2 2025 | $4.3M | $22.2M | 13.68% | 36.86% | 22.76% |
| Q3 2025 | $4.3M | $20.8M | 13.31% | 31.78% | 29.18% |
| Q4 2025 | $4.4M | $20.1M | 10.71% | 35.33% | 27.71% |
| Q1 2026 | $4.3M | $20.9M | 10.71% | 34.98% | 27.32% |
| Q2 2026 | $4.2M | $21.2M | 10.56% | 41.78% | 19.49% |
The First National Bank of Fletcher loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fletcher, 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 of Fletcher profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4098) · FFIEC NIC profile (RSSD 185251)