First United Bank and Trust Company: 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): 8.51 percentage points higher than in Q1 2026, at 284.71%. First United Bank and Trust Company ranks 29th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 96.00% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. First United Bank and Trust Company sits 9.17 points higher, at 96.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.79B |
| Net loans and leases | $12.67B |
| Loans held for sale | $189.5M |
| Loans to total assets | 77.10% |
| Loan-to-deposit ratio | 96.00% |
| Net loans to equity capital | 7.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.44% |
| Multifamily (5+ residential) | 7.53% |
| Commercial and industrial | 9.05% |
| Consumer | 1.38% |
| Credit cards | 0.00% |
| Farm | 1.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 284.71% |
| Construction concentration (Tier 1 capital + allowance) | 89.26% |
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 | 6.20% |
| Interest income on loans | $196.3M |
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 | $12.35B | $12.64B | 22.13% | 7.83% | 1.29% |
| Q4 2023 | $12.55B | $12.79B | 22.30% | 7.56% | 1.31% |
| Q1 2024 | $12.65B | $12.81B | 22.47% | 7.91% | 1.26% |
| Q2 2024 | $12.72B | $12.13B | 22.82% | 7.60% | 1.24% |
| Q3 2024 | $12.80B | $12.38B | 25.44% | 7.76% | 1.27% |
| Q4 2024 | $12.58B | $12.51B | 24.75% | 8.20% | 1.34% |
| Q1 2025 | $12.67B | $12.60B | 25.17% | 8.09% | 1.32% |
| Q2 2025 | $12.78B | $12.62B | 25.19% | 7.85% | 1.38% |
| Q3 2025 | $12.86B | $12.81B | 25.25% | 8.03% | 1.39% |
| Q4 2025 | $12.62B | $13.13B | 25.54% | 8.70% | 1.40% |
| Q1 2026 | $12.66B | $13.27B | 26.69% | 8.73% | 1.39% |
| Q2 2026 | $12.79B | $13.33B | 27.44% | 9.05% | 1.38% |
First United Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank and Trust Company, 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 United Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4239) · FFIEC NIC profile (RSSD 509950)