Kirkpatrick 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.
CRE concentration (Tier 1 capital + allowance) dropped 22.54 percentage points in Q2 2026, from 392.92% to 370.37%. It was the largest change from Q1 2026 among the key lines here. Kirkpatrick Bank ranks 83rd of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 79.37% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Kirkpatrick Bank sits 8.83 points lower, at 79.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $706.6M |
| Net loans and leases | $690.2M |
| Loans held for sale | $1.5M |
| Loans to total assets | 70.47% |
| Loan-to-deposit ratio | 79.37% |
| Net loans to equity capital | 7.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 63.33% |
| Multifamily (5+ residential) | 1.04% |
| Commercial and industrial | 9.95% |
| Consumer | 0.33% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 370.37% |
| Construction concentration (Tier 1 capital + allowance) | 82.63% |
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 | 6.30% |
| Interest income on loans | $11.5M |
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 | $640.5M | $868.1M | 49.02% | 10.60% | 1.03% |
| Q4 2023 | $686.2M | $849.0M | 48.72% | 9.69% | 0.93% |
| Q1 2024 | $692.5M | $905.0M | 47.96% | 9.88% | 0.90% |
| Q2 2024 | $693.9M | $873.5M | 50.14% | 8.52% | 0.78% |
| Q3 2024 | $732.5M | $832.4M | 54.78% | 7.36% | 0.44% |
| Q4 2024 | $733.1M | $836.0M | 54.67% | 8.96% | 0.38% |
| Q1 2025 | $736.1M | $907.5M | 54.49% | 9.35% | 0.39% |
| Q2 2025 | $715.2M | $848.7M | 55.12% | 9.71% | 0.36% |
| Q3 2025 | $721.3M | $917.4M | 57.31% | 10.18% | 0.37% |
| Q4 2025 | $777.1M | $932.5M | 58.04% | 9.98% | 0.38% |
| Q1 2026 | $754.4M | $953.2M | 60.96% | 10.31% | 0.38% |
| Q2 2026 | $706.6M | $890.2M | 63.33% | 9.95% | 0.33% |
Kirkpatrick Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kirkpatrick 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 Kirkpatrick Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20156) · FFIEC NIC profile (RSSD 67151)