Liberty 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.
Cre concentration (tier 1 capital + allowance) dropped 10.08 percentage points in Q2 2026, from 224.49% to 214.40%. It was the largest change from Q1 2026 among the key lines here. Liberty National Bank ranks 94th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 75.17% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Liberty National Bank sits 13.03 points lower, at 75.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $885.9M |
| Net loans and leases | $875.9M |
| Loans held for sale | $0 |
| Loans to total assets | 67.06% |
| Loan-to-deposit ratio | 75.17% |
| Net loans to equity capital | 6.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.58% |
| Multifamily (5+ residential) | 3.54% |
| Commercial and industrial | 18.58% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 5.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.40% |
| Construction concentration (Tier 1 capital + allowance) | 46.02% |
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 | 6.97% |
| Interest income on loans | $15.4M |
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 | $791.7M | $1.01B | 38.47% | 15.67% | 1.07% |
| Q4 2023 | $808.2M | $1.12B | 41.04% | 14.76% | 1.13% |
| Q1 2024 | $805.9M | $1.11B | 39.96% | 15.05% | 1.04% |
| Q2 2024 | $834.4M | $1.14B | 41.05% | 15.91% | 1.02% |
| Q3 2024 | $851.4M | $1.11B | 38.90% | 16.88% | 0.95% |
| Q4 2024 | $855.3M | $1.17B | 39.43% | 16.65% | 0.99% |
| Q1 2025 | $861.7M | $1.12B | 40.36% | 16.78% | 0.96% |
| Q2 2025 | $891.8M | $1.10B | 39.99% | 16.56% | 0.89% |
| Q3 2025 | $893.2M | $1.06B | 40.33% | 17.69% | 0.82% |
| Q4 2025 | $863.0M | $1.19B | 40.54% | 16.46% | 0.79% |
| Q1 2026 | $867.6M | $1.18B | 39.02% | 18.72% | 0.77% |
| Q2 2026 | $885.9M | $1.18B | 38.58% | 18.58% | 0.74% |
Liberty National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty 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 Liberty National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11522) · FFIEC NIC profile (RSSD 68756)