The 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 48.30 percentage points in Q2 2026, from 41.87% to 90.16%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First State Bank is 37th of 169 on loan-to-deposit ratio, 93.39% as of Q2 2026. The First State Bank reported 93.39% on loan-to-deposit ratio for Q2 2026, 12.84 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $130.0M |
| Net loans and leases | $129.2M |
| Loans held for sale | $0 |
| Loans to total assets | 81.26% |
| Loan-to-deposit ratio | 93.39% |
| Net loans to equity capital | 9.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.35% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.53% |
| Consumer | 4.10% |
| Credit cards | 0.00% |
| Farm | 32.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.16% |
| Construction concentration (Tier 1 capital + allowance) | 0.33% |
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 | 6.99% |
| Interest income on loans | $2.2M |
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 | $98.8M | $114.8M | 5.23% | 10.32% | 5.42% |
| Q4 2023 | $105.0M | $123.0M | 5.17% | 9.47% | 5.16% |
| Q1 2024 | $101.8M | $113.4M | 5.25% | 9.72% | 5.26% |
| Q2 2024 | $111.7M | $126.0M | 5.17% | 9.32% | 4.88% |
| Q3 2024 | $123.3M | $125.2M | 5.19% | 8.59% | 4.52% |
| Q4 2024 | $124.2M | $129.9M | 5.42% | 8.78% | 4.78% |
| Q1 2025 | $118.6M | $126.9M | 3.85% | 8.15% | 4.77% |
| Q2 2025 | $124.1M | $126.1M | 3.90% | 7.40% | 4.58% |
| Q3 2025 | $128.4M | $133.6M | 4.23% | 6.42% | 4.32% |
| Q4 2025 | $131.2M | $143.1M | 4.46% | 8.02% | 4.25% |
| Q1 2026 | $124.4M | $139.0M | 4.66% | 7.95% | 4.34% |
| Q2 2026 | $130.0M | $139.3M | 8.35% | 6.53% | 4.10% |
The First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2301) · FFIEC NIC profile (RSSD 141350)