Grant County 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.
Commercial and industrial dropped 2.43 percentage points in Q2 2026, from 12.26% to 9.83%. It was the largest change from Q1 2026 among the key lines here. Grant County Bank has the 3rd lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 21.65% as of Q2 2026. Grant County Bank's loan-to-deposit ratio of 21.65% is well below the 67.92% median for banks in the < $100M asset tier, a gap of 46.27 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $10.6M |
| Net loans and leases | $10.3M |
| Loans held for sale | $0 |
| Loans to total assets | 18.24% |
| Loan-to-deposit ratio | 21.65% |
| Net loans to equity capital | 1.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.33% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.83% |
| Consumer | 15.57% |
| Credit cards | 0.00% |
| Farm | 19.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.93% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.49% |
| Interest income on loans | $207K |
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 | $17.2M | $50.9M | 8.94% | 16.08% | 14.35% |
| Q4 2023 | $17.9M | $49.9M | 8.45% | 16.45% | 13.91% |
| Q1 2024 | $17.3M | $48.7M | 8.49% | 16.20% | 14.47% |
| Q2 2024 | $17.3M | $48.0M | 7.88% | 16.67% | 13.79% |
| Q3 2024 | $17.2M | $46.8M | 8.06% | 17.18% | 13.69% |
| Q4 2024 | $16.9M | $53.4M | 8.03% | 18.63% | 13.82% |
| Q1 2025 | $11.7M | $48.7M | 11.51% | 9.23% | 19.17% |
| Q2 2025 | $11.4M | $46.1M | 13.12% | 7.30% | 16.70% |
| Q3 2025 | $11.0M | $45.2M | 13.42% | 6.94% | 16.79% |
| Q4 2025 | $11.3M | $53.6M | 12.94% | 6.94% | 16.70% |
| Q1 2026 | $11.3M | $50.0M | 11.76% | 12.26% | 15.75% |
| Q2 2026 | $10.6M | $49.2M | 12.33% | 9.83% | 15.57% |
Grant County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grant County 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 Grant County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15778) · FFIEC NIC profile (RSSD 361354)