First State 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 Consumer: 5.13 percentage points higher than in Q1 2026, at 16.33%. On loan-to-deposit ratio, First State Bank is 7th from the bottom among 169 Oklahoma banks, 31.34% (Q2 2026). First State Bank's loan-to-deposit ratio of 31.34% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 49.22 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.9M |
| Net loans and leases | $39.9M |
| Loans held for sale | $0 |
| Loans to total assets | 29.29% |
| Loan-to-deposit ratio | 31.34% |
| Net loans to equity capital | 4.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.70% |
| Multifamily (5+ residential) | 3.09% |
| Commercial and industrial | 14.00% |
| Consumer | 16.33% |
| Credit cards | 0.00% |
| Farm | 5.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 18.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.06% |
| Construction concentration (Tier 1 capital + allowance) | 7.81% |
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 | 6.87% |
| Interest income on loans | $653K |
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 | $31.8M | $107.1M | 26.00% | 14.43% | 9.08% |
| Q4 2023 | $33.3M | $123.1M | 25.17% | 16.43% | 9.21% |
| Q1 2024 | $32.1M | $117.6M | 23.10% | 16.90% | 10.15% |
| Q2 2024 | $32.0M | $114.9M | 24.21% | 17.35% | 10.09% |
| Q3 2024 | $30.1M | $112.6M | 16.93% | 18.63% | 10.98% |
| Q4 2024 | $32.9M | $126.5M | 15.41% | 22.39% | 10.88% |
| Q1 2025 | $32.6M | $126.5M | 14.98% | 17.39% | 11.17% |
| Q2 2025 | $33.4M | $123.4M | 15.84% | 17.09% | 11.76% |
| Q3 2025 | $37.6M | $121.2M | 16.49% | 16.94% | 10.62% |
| Q4 2025 | $38.2M | $137.2M | 16.09% | 17.11% | 10.90% |
| Q1 2026 | $37.2M | $134.3M | 18.80% | 14.39% | 11.20% |
| Q2 2026 | $40.9M | $130.5M | 15.70% | 14.00% | 16.33% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12283) · FFIEC NIC profile (RSSD 41553)