The Idabel 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 CRE concentration (Tier 1 capital + allowance): 16.78 percentage points lower than in Q1 2026, at 223.26%. The Idabel National Bank ranks 89th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 77.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Idabel National Bank sits 3.44 points lower, at 77.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $156.3M |
| Net loans and leases | $150.8M |
| Loans held for sale | $0 |
| Loans to total assets | 64.52% |
| Loan-to-deposit ratio | 77.51% |
| Net loans to equity capital | 4.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.42% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.74% |
| Consumer | 3.58% |
| Credit cards | 0.00% |
| Farm | 4.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.26% |
| Construction concentration (Tier 1 capital + allowance) | 60.90% |
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 | 6.12% |
| Interest income on loans | $2.4M |
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 | $216.8M | $239.7M | 48.76% | 3.62% | 5.06% |
| Q4 2023 | $216.7M | $244.8M | 49.44% | 3.39% | 5.01% |
| Q1 2024 | $209.4M | $236.1M | 50.81% | 3.49% | 4.80% |
| Q2 2024 | $207.1M | $230.6M | 52.53% | 3.33% | 4.67% |
| Q3 2024 | $202.2M | $229.0M | 54.05% | 3.13% | 4.43% |
| Q4 2024 | $192.9M | $214.5M | 55.73% | 2.94% | 4.66% |
| Q1 2025 | $189.1M | $213.4M | 56.15% | 2.77% | 4.34% |
| Q2 2025 | $184.0M | $212.7M | 57.06% | 2.71% | 4.22% |
| Q3 2025 | $178.7M | $209.0M | 56.17% | 2.53% | 4.15% |
| Q4 2025 | $170.3M | $211.3M | 55.91% | 2.49% | 4.23% |
| Q1 2026 | $165.7M | $209.3M | 55.70% | 2.47% | 3.76% |
| Q2 2026 | $156.3M | $201.7M | 54.42% | 2.74% | 3.58% |
The Idabel National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Idabel 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 The Idabel National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4241) · FFIEC NIC profile (RSSD 237954)