First National Bank of Oklahoma: 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 16.41 percentage points in Q2 2026, from 233.98% to 250.39%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Oklahoma ranks 39th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 93.13% (Q2 2026). First National Bank of Oklahoma reported 93.13% on loan-to-deposit ratio for Q2 2026, 12.30 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $751.5M |
| Net loans and leases | $742.0M |
| Loans held for sale | $0 |
| Loans to total assets | 79.12% |
| Loan-to-deposit ratio | 93.13% |
| Net loans to equity capital | 7.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.27% |
| Multifamily (5+ residential) | 2.25% |
| Commercial and industrial | 9.53% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 4.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.39% |
| Construction concentration (Tier 1 capital + allowance) | 73.16% |
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 | 7.50% |
| Interest income on loans | $13.9M |
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 | $606.6M | $664.9M | 41.30% | 12.24% | 1.38% |
| Q4 2023 | $611.8M | $672.0M | 41.33% | 12.02% | 1.37% |
| Q1 2024 | $638.3M | $701.2M | 42.93% | 11.40% | 1.27% |
| Q2 2024 | $647.8M | $683.5M | 42.80% | 10.77% | 1.22% |
| Q3 2024 | $662.2M | $709.7M | 43.19% | 10.72% | 1.16% |
| Q4 2024 | $673.1M | $716.7M | 42.70% | 11.12% | 1.15% |
| Q1 2025 | $697.5M | $756.8M | 44.39% | 10.57% | 1.07% |
| Q2 2025 | $706.5M | $765.6M | 44.43% | 10.07% | 1.06% |
| Q3 2025 | $714.5M | $781.1M | 44.77% | 10.26% | 1.04% |
| Q4 2025 | $722.1M | $792.0M | 43.85% | 10.12% | 1.08% |
| Q1 2026 | $722.5M | $784.8M | 42.97% | 9.85% | 1.16% |
| Q2 2026 | $751.5M | $807.0M | 43.27% | 9.53% | 1.16% |
First National Bank of Oklahoma loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Oklahoma, 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 of Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4211) · FFIEC NIC profile (RSSD 525053)