First Oklahoma Bank: 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 Construction concentration (Tier 1 capital + allowance): 5.20 percentage points lower than in Q1 2026, at 92.69%. First Oklahoma Bank ranks 23rd of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 97.58% (Q2 2026). First Oklahoma Bank reported 97.58% on loan-to-deposit ratio for Q2 2026, 9.38 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.15B |
| Net loans and leases | $1.14B |
| Loans held for sale | $0 |
| Loans to total assets | 85.90% |
| Loan-to-deposit ratio | 97.58% |
| Net loans to equity capital | 9.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.57% |
| Multifamily (5+ residential) | 5.34% |
| Commercial and industrial | 17.17% |
| Consumer | 0.17% |
| Credit cards | 0.00% |
| Farm | 0.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 439.84% |
| Construction concentration (Tier 1 capital + allowance) | 92.69% |
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 | 6.68% |
| Interest income on loans | $18.8M |
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 | $916.6M | $962.1M | 46.80% | 17.54% | 0.52% |
| Q4 2023 | $922.1M | $956.8M | 46.82% | 16.67% | 0.52% |
| Q1 2024 | $922.3M | $943.1M | 46.61% | 16.88% | 0.58% |
| Q2 2024 | $928.6M | $968.5M | 48.72% | 18.80% | 0.30% |
| Q3 2024 | $945.6M | $970.2M | 47.92% | 21.21% | 0.25% |
| Q4 2024 | $980.5M | $989.0M | 47.84% | 22.43% | 0.30% |
| Q1 2025 | $976.0M | $993.3M | 48.49% | 21.07% | 0.22% |
| Q2 2025 | $1.02B | $1.05B | 48.27% | 20.45% | 0.18% |
| Q3 2025 | $1.07B | $1.07B | 46.91% | 19.73% | 0.14% |
| Q4 2025 | $1.11B | $1.12B | 46.32% | 19.50% | 0.15% |
| Q1 2026 | $1.12B | $1.13B | 47.32% | 18.37% | 0.17% |
| Q2 2026 | $1.15B | $1.18B | 49.57% | 17.17% | 0.17% |
First Oklahoma Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Oklahoma Bank, 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 Oklahoma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12484) · FFIEC NIC profile (RSSD 75259)