Local 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) climbed 18.21 percentage points in Q2 2026, from 199.38% to 217.59%. It was the largest change from Q1 2026 among the key lines here. Local Bank ranks 41st of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 91.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Local Bank sits 11.00 points higher, at 91.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $350.3M |
| Net loans and leases | $348.1M |
| Loans held for sale | $602K |
| Loans to total assets | 75.65% |
| Loan-to-deposit ratio | 91.55% |
| Net loans to equity capital | 7.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.02% |
| Multifamily (5+ residential) | 6.51% |
| Commercial and industrial | 12.02% |
| Consumer | 8.31% |
| Credit cards | 0.00% |
| Farm | 3.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 217.59% |
| Construction concentration (Tier 1 capital + allowance) | 63.86% |
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 | 7.57% |
| Interest income on loans | $6.2M |
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 | $206.2M | $270.2M | 19.63% | 14.19% | 9.00% |
| Q4 2023 | $216.8M | $292.4M | 20.26% | 14.32% | 8.62% |
| Q1 2024 | $237.2M | $280.0M | 19.29% | 16.36% | 9.11% |
| Q2 2024 | $256.6M | $292.8M | 18.04% | 16.67% | 9.51% |
| Q3 2024 | $267.0M | $330.6M | 18.64% | 17.21% | 9.15% |
| Q4 2024 | $283.7M | $335.5M | 18.15% | 18.03% | 8.90% |
| Q1 2025 | $286.0M | $332.4M | 17.50% | 13.62% | 9.03% |
| Q2 2025 | $297.7M | $331.0M | 17.09% | 12.46% | 9.41% |
| Q3 2025 | $315.1M | $339.1M | 17.22% | 13.74% | 8.88% |
| Q4 2025 | $327.4M | $361.3M | 17.42% | 14.98% | 8.55% |
| Q1 2026 | $336.2M | $363.3M | 17.98% | 13.98% | 8.43% |
| Q2 2026 | $350.3M | $382.6M | 19.02% | 12.02% | 8.31% |
Local Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Local 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 Local Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2327) · FFIEC NIC profile (RSSD 815754)