Legacy 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): 23.18 percentage points higher than in Q1 2026, at 292.08%. Within Oklahoma, Legacy Bank is 118th of 169 on loan-to-deposit ratio, 67.33% as of Q2 2026, below the middle of the field. Legacy Bank reported 67.33% on loan-to-deposit ratio for Q2 2026, 13.61 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $420.7M |
| Net loans and leases | $414.0M |
| Loans held for sale | $0 |
| Loans to total assets | 61.28% |
| Loan-to-deposit ratio | 67.33% |
| Net loans to equity capital | 7.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.86% |
| Multifamily (5+ residential) | 3.29% |
| Commercial and industrial | 11.40% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 2.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 292.08% |
| Construction concentration (Tier 1 capital + allowance) | 112.26% |
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 | 7.13% |
| Interest income on loans | $7.4M |
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 | $359.9M | $539.6M | 37.44% | 12.83% | 1.14% |
| Q4 2023 | $352.7M | $532.0M | 40.17% | 12.02% | 1.46% |
| Q1 2024 | $359.0M | $533.6M | 39.70% | 10.80% | 1.42% |
| Q2 2024 | $366.3M | $543.3M | 40.37% | 9.52% | 1.24% |
| Q3 2024 | $373.5M | $538.4M | 40.00% | 9.61% | 1.19% |
| Q4 2024 | $378.0M | $558.3M | 41.20% | 9.94% | 1.12% |
| Q1 2025 | $372.8M | $570.3M | 38.11% | 10.64% | 1.11% |
| Q2 2025 | $375.0M | $579.6M | 37.68% | 11.46% | 1.06% |
| Q3 2025 | $391.6M | $579.7M | 35.96% | 12.25% | 1.02% |
| Q4 2025 | $395.0M | $596.3M | 36.81% | 11.73% | 1.10% |
| Q1 2026 | $410.1M | $631.7M | 36.29% | 12.00% | 1.09% |
| Q2 2026 | $420.7M | $624.8M | 36.86% | 11.40% | 1.05% |
Legacy Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Legacy 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 Legacy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4042) · FFIEC NIC profile (RSSD 320052)