FSNB, N.A.: 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): 1.65 percentage points lower than in Q1 2026, at 71.55%. FSNB, N.A. has the 16th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 39.86% as of Q2 2026. FSNB, N.A.'s loan-to-deposit ratio of 39.86% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 41.09 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $147.4M |
| Net loans and leases | $144.8M |
| Loans held for sale | $0 |
| Loans to total assets | 30.81% |
| Loan-to-deposit ratio | 39.86% |
| Net loans to equity capital | 1.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.27% |
| Multifamily (5+ residential) | 5.28% |
| Commercial and industrial | 5.21% |
| Consumer | 3.21% |
| Credit cards | 0.29% |
| Farm | 15.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.55% |
| Construction concentration (Tier 1 capital + allowance) | 0.23% |
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 | 4.73% |
| Interest income on loans | $1.7M |
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 | $158.5M | $392.2M | 43.54% | 5.12% | 3.35% |
| Q4 2023 | $155.7M | $385.7M | 43.36% | 3.86% | 3.52% |
| Q1 2024 | $155.3M | $379.6M | 43.73% | 3.95% | 3.33% |
| Q2 2024 | $152.8M | $371.3M | 40.65% | 6.65% | 3.46% |
| Q3 2024 | $156.8M | $359.5M | 39.06% | 6.11% | 3.10% |
| Q4 2024 | $157.8M | $374.9M | 37.84% | 6.01% | 3.21% |
| Q1 2025 | $151.8M | $374.5M | 38.91% | 6.16% | 3.25% |
| Q2 2025 | $151.8M | $364.1M | 37.65% | 6.35% | 3.35% |
| Q3 2025 | $150.7M | $361.5M | 36.59% | 5.82% | 3.64% |
| Q4 2025 | $142.4M | $384.6M | 39.10% | 5.90% | 3.61% |
| Q1 2026 | $144.9M | $377.7M | 37.20% | 5.53% | 3.41% |
| Q2 2026 | $147.4M | $369.7M | 36.27% | 5.21% | 3.21% |
FSNB, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FSNB, N.A., 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 FSNB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16416) · FFIEC NIC profile (RSSD 125154)