FirstBank: 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 Construction concentration (Tier 1 capital + allowance): 3.55 percentage points higher than in Q1 2026, at 47.72%. Within Oklahoma, FirstBank is 114th of 169 on loan-to-deposit ratio, 69.17% as of Q2 2026. FirstBank reported 69.17% on loan-to-deposit ratio for Q2 2026, 11.38 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $413.9M |
| Net loans and leases | $408.5M |
| Loans held for sale | $0 |
| Loans to total assets | 60.48% |
| Loan-to-deposit ratio | 69.17% |
| Net loans to equity capital | 5.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.77% |
| Multifamily (5+ residential) | 0.69% |
| Commercial and industrial | 8.42% |
| Consumer | 14.15% |
| Credit cards | 0.00% |
| Farm | 14.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 67.50% |
| Construction concentration (Tier 1 capital + allowance) | 47.72% |
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 | 8.19% |
| Interest income on loans | $8.4M |
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 | $407.0M | $508.9M | 11.24% | 7.89% | 15.58% |
| Q4 2023 | $403.4M | $516.1M | 11.12% | 8.17% | 15.51% |
| Q1 2024 | $405.7M | $542.6M | 12.09% | 8.13% | 15.01% |
| Q2 2024 | $403.3M | $542.4M | 11.95% | 8.02% | 14.85% |
| Q3 2024 | $400.2M | $542.1M | 11.86% | 7.69% | 14.63% |
| Q4 2024 | $399.6M | $546.1M | 11.94% | 7.84% | 14.35% |
| Q1 2025 | $398.5M | $558.1M | 11.70% | 8.24% | 13.95% |
| Q2 2025 | $397.4M | $555.4M | 11.38% | 7.81% | 14.08% |
| Q3 2025 | $400.6M | $555.5M | 11.44% | 7.68% | 14.24% |
| Q4 2025 | $397.0M | $562.0M | 10.56% | 7.72% | 14.47% |
| Q1 2026 | $405.5M | $584.8M | 10.03% | 8.95% | 14.23% |
| Q2 2026 | $413.9M | $598.3M | 9.77% | 8.42% | 14.15% |
FirstBank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank, 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 FirstBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14331) · FFIEC NIC profile (RSSD 296456)