Latimer State 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 climbed 3.16 percentage points in Q2 2026, from 41.81% to 44.98%. It was the largest change from Q1 2026 among the key lines here. Latimer State Bank has the 4th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 26.11% as of Q2 2026. Against a median of 67.32% for banks in the < $100M asset tier, Latimer State Bank reported 26.11% on loan-to-deposit ratio in Q2 2026, 41.21 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.8M |
| Net loans and leases | $12.6M |
| Loans held for sale | $0 |
| Loans to total assets | 19.59% |
| Loan-to-deposit ratio | 26.11% |
| Net loans to equity capital | 0.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.53% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 44.98% |
| Consumer | 10.14% |
| Credit cards | 0.00% |
| Farm | 2.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.18% |
| Construction concentration (Tier 1 capital + allowance) | 7.18% |
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 | 8.09% |
| Interest income on loans | $254K |
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 | $11.8M | $53.9M | 2.10% | 44.93% | 14.47% |
| Q4 2023 | $11.9M | $52.3M | 2.82% | 43.81% | 14.35% |
| Q1 2024 | $11.8M | $53.1M | 2.80% | 44.10% | 16.19% |
| Q2 2024 | $11.9M | $52.0M | 2.75% | 43.44% | 16.52% |
| Q3 2024 | $12.2M | $49.8M | 2.63% | 45.23% | 16.80% |
| Q4 2024 | $13.1M | $51.4M | 2.43% | 43.27% | 15.02% |
| Q1 2025 | $12.7M | $51.5M | 2.47% | 43.42% | 12.70% |
| Q2 2025 | $13.1M | $50.2M | 2.36% | 41.67% | 11.58% |
| Q3 2025 | $12.8M | $49.5M | 2.35% | 41.64% | 11.57% |
| Q4 2025 | $13.1M | $48.9M | 4.57% | 40.95% | 10.98% |
| Q1 2026 | $12.8M | $49.6M | 4.60% | 41.81% | 10.40% |
| Q2 2026 | $12.8M | $49.2M | 4.53% | 44.98% | 10.14% |
Latimer State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Latimer State 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 Latimer State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22839) · FFIEC NIC profile (RSSD 51356)