First Pryority 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.
Loan-to-deposit ratio climbed 4.02 percentage points in Q2 2026, from 92.44% to 96.46%. It was the largest change from Q1 2026 among the key lines here. First Pryority Bank ranks 27th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 96.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Pryority Bank sits 15.91 points higher, at 96.46% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $466.3M |
| Net loans and leases | $460.3M |
| Loans held for sale | $0 |
| Loans to total assets | 83.56% |
| Loan-to-deposit ratio | 96.46% |
| Net loans to equity capital | 8.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.33% |
| Multifamily (5+ residential) | 5.11% |
| Commercial and industrial | 25.45% |
| Consumer | 4.65% |
| Credit cards | 0.00% |
| Farm | 1.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 224.17% |
| Construction concentration (Tier 1 capital + allowance) | 114.62% |
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 | 7.87% |
| Interest income on loans | $8.7M |
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 | $326.2M | $368.2M | 21.85% | 22.62% | 6.02% |
| Q4 2023 | $345.3M | $375.6M | 21.10% | 25.24% | 5.68% |
| Q1 2024 | $348.8M | $397.4M | 21.37% | 26.29% | 5.63% |
| Q2 2024 | $355.3M | $404.6M | 22.24% | 25.58% | 5.33% |
| Q3 2024 | $358.1M | $406.9M | 20.93% | 25.88% | 5.45% |
| Q4 2024 | $371.2M | $410.7M | 20.18% | 27.50% | 5.19% |
| Q1 2025 | $387.2M | $429.1M | 19.88% | 26.07% | 4.95% |
| Q2 2025 | $405.4M | $447.1M | 20.21% | 24.30% | 5.16% |
| Q3 2025 | $413.9M | $465.7M | 19.61% | 25.54% | 5.08% |
| Q4 2025 | $422.4M | $468.6M | 19.71% | 26.11% | 4.92% |
| Q1 2026 | $447.9M | $484.6M | 21.70% | 26.29% | 4.65% |
| Q2 2026 | $466.3M | $483.4M | 22.33% | 25.45% | 4.65% |
First Pryority Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Pryority 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 Pryority Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4185) · FFIEC NIC profile (RSSD 524953)