First State Bank in Temple: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
First State Bank in Temple reported all 18 line items on this page on its Q2 2026 filing. Total loans and leases was $9.9M in Q2 2026, up 38.6% from $7.2M in Q2 2025. That is 37.9% of its total assets. Across the 12 quarters shown it ranged from $6.8M (Q2 2024) to $13.6M (Q1 2026).
What the loan portfolio page covers and where each line comes from.
Loan-to-deposit ratio dropped 22.41 percentage points in Q2 2026, from 68.80% to 46.39%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First State Bank in Temple is 147th of 169 on loan-to-deposit ratio, 46.39% as of Q2 2026. First State Bank in Temple reported 46.39% on loan-to-deposit ratio for Q2 2026, 20.94 points below the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.9M |
| Net loans and leases | $9.7M |
| Loans held for sale | $0 |
| Loans to total assets | 37.93% |
| Loan-to-deposit ratio | 46.39% |
| Net loans to equity capital | 2.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.26% |
| Consumer | 5.78% |
| Credit cards | 0.00% |
| Farm | 30.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.79% |
| Interest income on loans | $224K |
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 | $7.2M | $22.0M | 0.00% | 9.44% | 8.94% |
| Q4 2023 | $11.4M | $20.6M | 0.00% | 4.71% | 6.88% |
| Q1 2024 | $11.7M | $20.8M | 0.00% | 4.92% | 6.00% |
| Q2 2024 | $6.8M | $22.0M | 0.00% | 7.49% | 12.18% |
| Q3 2024 | $7.1M | $21.1M | 0.00% | 7.05% | 10.56% |
| Q4 2024 | $9.7M | $19.5M | 0.42% | 4.69% | 6.68% |
| Q1 2025 | $10.4M | $18.7M | 0.39% | 4.24% | 5.56% |
| Q2 2025 | $7.2M | $21.8M | 0.55% | 6.93% | 6.95% |
| Q3 2025 | $8.5M | $22.2M | 0.46% | 5.86% | 6.47% |
| Q4 2025 | $12.3M | $19.3M | 0.31% | 3.79% | 4.67% |
| Q1 2026 | $13.6M | $19.7M | 0.28% | 3.19% | 3.98% |
| Q2 2026 | $9.9M | $21.5M | 0.00% | 4.26% | 5.78% |
First State Bank in Temple loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank in Temple, freeSource: Call Report Schedule RC-C, Q2 2026. How these pages are built. See the full First State Bank in Temple profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5999) · FFIEC NIC profile (RSSD 325459)