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.
Loan-to-deposit ratio dropped 7.72 percentage points in Q2 2026, from 38.38% to 30.65%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First State Bank is 6th from the bottom among 169 Oklahoma banks, 30.65% (Q2 2026). First State Bank's loan-to-deposit ratio of 30.65% is well below the 67.32% median for banks in the < $100M asset tier, a gap of 36.67 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.4M |
| Net loans and leases | $17.2M |
| Loans held for sale | $0 |
| Loans to total assets | 28.32% |
| Loan-to-deposit ratio | 30.65% |
| Net loans to equity capital | 3.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.09% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.04% |
| Consumer | 10.98% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.62% |
| Construction concentration (Tier 1 capital + allowance) | 2.02% |
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 | 9.27% |
| Interest income on loans | $402K |
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 | $16.6M | $45.3M | 26.01% | 7.52% | 11.44% |
| Q4 2023 | $16.7M | $43.4M | 27.30% | 7.31% | 11.75% |
| Q1 2024 | $16.2M | $45.9M | 26.94% | 6.51% | 12.07% |
| Q2 2024 | $17.1M | $55.5M | 24.47% | 7.99% | 14.87% |
| Q3 2024 | $17.4M | $42.6M | 24.67% | 7.70% | 11.36% |
| Q4 2024 | $17.7M | $43.3M | 25.59% | 7.16% | 11.85% |
| Q1 2025 | $17.5M | $47.5M | 25.02% | 6.99% | 11.79% |
| Q2 2025 | $17.3M | $57.1M | 24.40% | 5.85% | 11.42% |
| Q3 2025 | $17.2M | $46.5M | 25.79% | 5.78% | 11.19% |
| Q4 2025 | $17.6M | $47.7M | 28.21% | 4.75% | 11.26% |
| Q1 2026 | $17.5M | $45.6M | 28.15% | 4.62% | 11.16% |
| Q2 2026 | $17.4M | $56.8M | 27.09% | 5.04% | 10.98% |
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 9879) · FFIEC NIC profile (RSSD 99853)