FNB Community 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 36.02 percentage points in Q2 2026, from 214.58% to 250.59%. It was the largest change from Q1 2026 among the key lines here. FNB Community Bank ranks 108th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 70.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. FNB Community Bank sits 10.13 points lower, at 70.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $304.2M |
| Net loans and leases | $298.7M |
| Loans held for sale | $0 |
| Loans to total assets | 63.36% |
| Loan-to-deposit ratio | 70.71% |
| Net loans to equity capital | 6.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.16% |
| Multifamily (5+ residential) | 0.56% |
| Commercial and industrial | 12.43% |
| Consumer | 5.86% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.59% |
| Construction concentration (Tier 1 capital + allowance) | 82.93% |
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 | 6.01% |
| Interest income on loans | $4.4M |
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 | $275.4M | $414.9M | 49.97% | 13.06% | 6.96% |
| Q4 2023 | $272.6M | $426.2M | 48.45% | 13.17% | 7.21% |
| Q1 2024 | $271.1M | $430.5M | 47.23% | 13.71% | 7.30% |
| Q2 2024 | $276.9M | $418.3M | 47.20% | 13.83% | 7.10% |
| Q3 2024 | $283.5M | $400.0M | 45.67% | 13.26% | 7.06% |
| Q4 2024 | $278.1M | $403.4M | 46.41% | 13.84% | 7.18% |
| Q1 2025 | $270.3M | $437.3M | 47.75% | 14.14% | 7.40% |
| Q2 2025 | $266.9M | $428.4M | 47.17% | 13.02% | 7.60% |
| Q3 2025 | $271.4M | $423.2M | 45.42% | 14.16% | 7.32% |
| Q4 2025 | $281.5M | $426.4M | 46.54% | 13.43% | 6.75% |
| Q1 2026 | $286.2M | $446.3M | 44.67% | 13.95% | 6.33% |
| Q2 2026 | $304.2M | $430.3M | 44.16% | 12.43% | 5.86% |
FNB Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Community 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 FNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16127) · FFIEC NIC profile (RSSD 839255)