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) dropped 8.65 percentage points in Q2 2026, from 17.91% to 9.26%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First State Bank is 20th of 169 on loan-to-deposit ratio, 98.30% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First State Bank sits 30.67 points higher, at 98.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.1M |
| Net loans and leases | $46.2M |
| Loans held for sale | $0 |
| Loans to total assets | 84.83% |
| Loan-to-deposit ratio | 98.30% |
| Net loans to equity capital | 6.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.35% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.02% |
| Consumer | 6.14% |
| Credit cards | 0.00% |
| Farm | 8.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.26% |
| Construction concentration (Tier 1 capital + allowance) | 9.26% |
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 | — |
| Interest income on loans | $860K |
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 | $39.8M | $48.3M | 6.75% | 16.25% | 5.84% |
| Q4 2023 | $41.2M | $45.4M | 6.36% | 16.13% | 5.70% |
| Q1 2024 | $41.8M | $48.4M | 6.40% | 16.65% | 5.78% |
| Q2 2024 | $42.6M | $47.3M | 6.62% | 17.65% | 5.58% |
| Q3 2024 | $43.5M | $47.6M | 6.15% | 16.01% | 6.28% |
| Q4 2024 | $45.0M | $45.3M | 5.01% | 17.40% | 5.80% |
| Q1 2025 | $45.5M | $50.2M | 4.94% | 17.60% | 5.69% |
| Q2 2025 | $44.8M | $49.8M | 4.92% | 17.34% | 5.47% |
| Q3 2025 | $46.9M | $47.2M | 5.37% | 15.89% | 5.77% |
| Q4 2025 | $50.8M | $47.9M | 5.02% | 16.44% | 5.15% |
| Q1 2026 | $49.4M | $52.9M | 5.10% | 18.28% | 5.21% |
| Q2 2026 | $47.1M | $47.9M | 6.35% | 18.02% | 6.14% |
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 11527) · FFIEC NIC profile (RSSD 644057)