FNB Coweta: 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 13.65 percentage points in Q2 2026, from 197.73% to 184.08%. It was the largest change from Q1 2026 among the key lines here. FNB Coweta ranks 139th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 59.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. FNB Coweta sits 21.34 points lower, at 59.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.8M |
| Net loans and leases | $67.6M |
| Loans held for sale | $0 |
| Loans to total assets | 53.87% |
| Loan-to-deposit ratio | 59.50% |
| Net loans to equity capital | 5.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.23% |
| Multifamily (5+ residential) | 12.50% |
| Commercial and industrial | 18.04% |
| Consumer | 1.63% |
| Credit cards | 0.00% |
| Farm | 4.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 184.08% |
| Construction concentration (Tier 1 capital + allowance) | 54.16% |
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 | 7.22% |
| Interest income on loans | $1.3M |
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 | $47.2M | $102.5M | 33.78% | 15.64% | 2.83% |
| Q4 2023 | $49.1M | $101.9M | 34.05% | 15.83% | 2.77% |
| Q1 2024 | $50.5M | $101.0M | 35.13% | 16.41% | 3.05% |
| Q2 2024 | $48.9M | $97.9M | 35.59% | 15.02% | 3.04% |
| Q3 2024 | $51.9M | $99.6M | 36.90% | 15.95% | 2.73% |
| Q4 2024 | $58.3M | $101.6M | 39.98% | 19.27% | 2.49% |
| Q1 2025 | $61.9M | $109.0M | 34.89% | 19.58% | 2.09% |
| Q2 2025 | $62.8M | $108.4M | 36.19% | 17.35% | 2.20% |
| Q3 2025 | $67.9M | $110.9M | 34.70% | 14.42% | 2.05% |
| Q4 2025 | $68.7M | $113.5M | 31.97% | 14.98% | 1.84% |
| Q1 2026 | $70.1M | $113.5M | 31.92% | 15.94% | 1.49% |
| Q2 2026 | $68.8M | $115.7M | 29.23% | 18.04% | 1.63% |
FNB Coweta loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Coweta, 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 Coweta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4071) · FFIEC NIC profile (RSSD 61953)