First Texoma National 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.75 percentage points lower than in Q1 2026, at 117.95%. First Texoma National Bank ranks 93rd of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 75.25% (Q2 2026). First Texoma National Bank reported 75.25% on loan-to-deposit ratio for Q2 2026, 5.69 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $152.2M |
| Net loans and leases | $150.2M |
| Loans held for sale | $0 |
| Loans to total assets | 67.55% |
| Loan-to-deposit ratio | 75.25% |
| Net loans to equity capital | 6.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.36% |
| Multifamily (5+ residential) | 4.68% |
| Commercial and industrial | 7.24% |
| Consumer | 5.56% |
| Credit cards | 0.00% |
| Farm | 7.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 117.95% |
| Construction concentration (Tier 1 capital + allowance) | 50.80% |
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 | 6.95% |
| Interest income on loans | $2.7M |
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 | $155.1M | $198.7M | 21.07% | 7.39% | 6.96% |
| Q4 2023 | $154.3M | $198.6M | 20.74% | 7.83% | 6.67% |
| Q1 2024 | $153.3M | $199.8M | 20.10% | 7.80% | 6.74% |
| Q2 2024 | $153.8M | $201.8M | 21.03% | 6.93% | 6.67% |
| Q3 2024 | $151.5M | $203.6M | 21.49% | 7.12% | 6.82% |
| Q4 2024 | $150.4M | $201.7M | 22.52% | 7.66% | 6.74% |
| Q1 2025 | $149.6M | $202.4M | 22.20% | 7.23% | 6.44% |
| Q2 2025 | $150.4M | $201.5M | 22.01% | 6.71% | 6.40% |
| Q3 2025 | $154.1M | $196.1M | 21.32% | 6.58% | 6.20% |
| Q4 2025 | $151.4M | $195.6M | 21.75% | 7.53% | 5.89% |
| Q1 2026 | $154.3M | $202.5M | 21.60% | 7.36% | 5.81% |
| Q2 2026 | $152.2M | $202.3M | 22.36% | 7.24% | 5.56% |
First Texoma National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texoma National 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 Texoma National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13905) · FFIEC NIC profile (RSSD 388155)