First National Bank & Trust Company of McAlester: 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) dropped 9.25 percentage points in Q2 2026, from 258.90% to 249.65%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First National Bank & Trust Company of McAlester is 112th of 169 on loan-to-deposit ratio, 69.41% 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 & Trust Company of McAlester sits 11.42 points lower, at 69.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $350.0M |
| Net loans and leases | $345.2M |
| Loans held for sale | $0 |
| Loans to total assets | 60.30% |
| Loan-to-deposit ratio | 69.41% |
| Net loans to equity capital | 5.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.41% |
| Multifamily (5+ residential) | 4.41% |
| Commercial and industrial | 5.25% |
| Consumer | 3.41% |
| Credit cards | 0.00% |
| Farm | 6.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.65% |
| Construction concentration (Tier 1 capital + allowance) | 24.66% |
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 | 6.51% |
| Interest income on loans | $5.7M |
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 | $355.7M | $478.8M | 49.69% | 7.80% | 5.27% |
| Q4 2023 | $356.7M | $481.3M | 49.70% | 7.54% | 5.10% |
| Q1 2024 | $359.2M | $489.0M | 49.37% | 7.59% | 4.96% |
| Q2 2024 | $359.5M | $491.9M | 49.86% | 7.30% | 4.65% |
| Q3 2024 | $347.4M | $480.6M | 49.34% | 6.99% | 4.71% |
| Q4 2024 | $346.6M | $480.2M | 49.27% | 7.21% | 4.57% |
| Q1 2025 | $353.9M | $495.3M | 51.53% | 6.43% | 4.26% |
| Q2 2025 | $342.0M | $498.1M | 52.94% | 6.47% | 3.99% |
| Q3 2025 | $343.1M | $494.2M | 52.57% | 6.13% | 3.82% |
| Q4 2025 | $350.0M | $492.7M | 52.98% | 5.85% | 3.61% |
| Q1 2026 | $354.0M | $504.9M | 52.99% | 5.49% | 3.48% |
| Q2 2026 | $350.0M | $504.2M | 52.41% | 5.25% | 3.41% |
First National Bank & Trust Company of McAlester loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust Company of McAlester, 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 & Trust Company of McAlester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4145) · FFIEC NIC profile (RSSD 830355)