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.
CRE concentration (Tier 1 capital + allowance) climbed 3.37 percentage points in Q2 2026, from 140.66% to 144.03%. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 110th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 70.21% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. First State Bank sits 2.88 points higher, at 70.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $52.0M |
| Net loans and leases | $51.3M |
| Loans held for sale | $0 |
| Loans to total assets | 63.37% |
| Loan-to-deposit ratio | 70.21% |
| Net loans to equity capital | 7.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.22% |
| Multifamily (5+ residential) | 0.63% |
| Commercial and industrial | 8.18% |
| Consumer | 6.41% |
| Credit cards | 0.00% |
| Farm | 3.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 144.03% |
| Construction concentration (Tier 1 capital + allowance) | 57.17% |
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 | 7.52% |
| Interest income on loans | $982K |
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 | $45.1M | $67.7M | 29.82% | 15.59% | 2.90% |
| Q4 2023 | $44.6M | $71.2M | 30.14% | 14.38% | 3.47% |
| Q1 2024 | $46.1M | $71.5M | 28.15% | 12.96% | 4.13% |
| Q2 2024 | $49.4M | $72.3M | 27.25% | 11.46% | 4.09% |
| Q3 2024 | $48.9M | $76.1M | 25.59% | 11.84% | 5.99% |
| Q4 2024 | $50.6M | $79.4M | 25.11% | 10.72% | 6.04% |
| Q1 2025 | $51.4M | $80.4M | 25.01% | 10.09% | 6.38% |
| Q2 2025 | $52.4M | $75.2M | 25.27% | 9.14% | 6.83% |
| Q3 2025 | $48.5M | $73.2M | 25.82% | 9.63% | 7.88% |
| Q4 2025 | $50.4M | $71.2M | 26.25% | 9.21% | 7.05% |
| Q1 2026 | $52.3M | $74.4M | 26.72% | 9.23% | 6.52% |
| Q2 2026 | $52.0M | $74.1M | 27.22% | 8.18% | 6.41% |
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 22448) · FFIEC NIC profile (RSSD 522454)