Great Plains National 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 Construction concentration (Tier 1 capital + allowance): 9.72 percentage points higher than in Q1 2026, at 102.34%. Within Oklahoma, Great Plains National Bank is 25th of 169 on loan-to-deposit ratio, 96.64% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Great Plains National Bank sits 8.44 points higher, at 96.64% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.65B |
| Net loans and leases | $1.63B |
| Loans held for sale | $26.0M |
| Loans to total assets | 85.59% |
| Loan-to-deposit ratio | 96.64% |
| Net loans to equity capital | 8.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.88% |
| Multifamily (5+ residential) | 3.88% |
| Commercial and industrial | 22.71% |
| Consumer | 2.65% |
| Credit cards | 0.00% |
| Farm | 6.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.59% |
| Construction concentration (Tier 1 capital + allowance) | 102.34% |
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 | 7.98% |
| Interest income on loans | $32.0M |
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 | $1.31B | $1.43B | 27.00% | 21.18% | 3.12% |
| Q4 2023 | $1.37B | $1.41B | 25.88% | 22.50% | 2.92% |
| Q1 2024 | $1.41B | $1.50B | 24.97% | 23.13% | 2.75% |
| Q2 2024 | $1.42B | $1.51B | 26.48% | 22.61% | 2.82% |
| Q3 2024 | $1.39B | $1.51B | 26.66% | 22.01% | 2.94% |
| Q4 2024 | $1.42B | $1.53B | 25.43% | 23.90% | 2.81% |
| Q1 2025 | $1.42B | $1.57B | 26.10% | 23.79% | 2.74% |
| Q2 2025 | $1.51B | $1.64B | 24.26% | 24.24% | 2.69% |
| Q3 2025 | $1.50B | $1.63B | 24.01% | 23.56% | 2.85% |
| Q4 2025 | $1.58B | $1.64B | 23.61% | 23.20% | 2.56% |
| Q1 2026 | $1.61B | $1.68B | 23.86% | 22.74% | 2.42% |
| Q2 2026 | $1.65B | $1.71B | 23.88% | 22.71% | 2.65% |
Great Plains National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Plains National 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 Great Plains National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34207) · FFIEC NIC profile (RSSD 2482824)