Grand 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.18 percentage points lower than in Q1 2026, at 91.18%. Grand Bank ranks 43rd of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 91.18% (Q2 2026). Grand Bank reported 91.18% on loan-to-deposit ratio for Q2 2026, 10.35 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $563.4M |
| Net loans and leases | $554.5M |
| Loans held for sale | $0 |
| Loans to total assets | 79.04% |
| Loan-to-deposit ratio | 91.18% |
| Net loans to equity capital | 8.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.90% |
| Multifamily (5+ residential) | 3.55% |
| Commercial and industrial | 15.76% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 3.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 282.77% |
| Construction concentration (Tier 1 capital + allowance) | 69.69% |
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 | 6.55% |
| Interest income on loans | $9.1M |
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 | $472.2M | $529.8M | 50.64% | 11.54% | 0.10% |
| Q4 2023 | $473.6M | $520.8M | 52.21% | 10.83% | 0.11% |
| Q1 2024 | $472.4M | $522.9M | 49.66% | 11.40% | 0.14% |
| Q2 2024 | $493.2M | $541.2M | 48.29% | 12.07% | 0.16% |
| Q3 2024 | $512.2M | $554.6M | 47.38% | 13.02% | 0.38% |
| Q4 2024 | $514.5M | $550.7M | 49.25% | 12.43% | 0.37% |
| Q1 2025 | $511.0M | $571.0M | 49.39% | 12.63% | 0.37% |
| Q2 2025 | $511.0M | $588.0M | 47.88% | 13.23% | 0.33% |
| Q3 2025 | $530.6M | $589.6M | 46.39% | 14.18% | 0.31% |
| Q4 2025 | $539.2M | $562.6M | 48.06% | 13.22% | 0.29% |
| Q1 2026 | $543.3M | $575.7M | 46.99% | 12.95% | 0.10% |
| Q2 2026 | $563.4M | $617.9M | 45.90% | 15.76% | 0.10% |
Grand Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand 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 Grand Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22065) · FFIEC NIC profile (RSSD 76854)