McCurtain County 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.45 percentage points lower than in Q1 2026, at 31.34%. McCurtain County National Bank ranks 150th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 44.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. McCurtain County National Bank sits 36.32 points lower, at 44.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $144.4M |
| Net loans and leases | $140.6M |
| Loans held for sale | $0 |
| Loans to total assets | 37.58% |
| Loan-to-deposit ratio | 44.63% |
| Net loans to equity capital | 2.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.61% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.32% |
| Consumer | 13.99% |
| Credit cards | 0.00% |
| Farm | 4.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.34% |
| Construction concentration (Tier 1 capital + allowance) | 19.16% |
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 | 7.46% |
| Interest income on loans | $2.7M |
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 | $168.2M | $291.0M | 9.21% | 7.04% | 12.30% |
| Q4 2023 | $169.0M | $307.8M | 9.37% | 7.59% | 12.96% |
| Q1 2024 | $166.3M | $309.3M | 8.67% | 7.66% | 12.79% |
| Q2 2024 | $163.4M | $305.9M | 8.69% | 7.54% | 13.30% |
| Q3 2024 | $162.7M | $296.6M | 8.73% | 6.91% | 13.24% |
| Q4 2024 | $158.1M | $320.5M | 9.06% | 5.92% | 13.43% |
| Q1 2025 | $156.0M | $325.4M | 8.86% | 6.45% | 13.08% |
| Q2 2025 | $154.8M | $309.4M | 8.81% | 6.43% | 13.10% |
| Q3 2025 | $152.7M | $310.3M | 10.18% | 6.63% | 13.84% |
| Q4 2025 | $150.6M | $323.8M | 9.81% | 5.76% | 14.44% |
| Q1 2026 | $148.8M | $323.6M | 9.37% | 6.35% | 14.13% |
| Q2 2026 | $144.4M | $323.6M | 9.61% | 6.32% | 13.99% |
McCurtain County National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock McCurtain County 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 McCurtain County National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23798) · FFIEC NIC profile (RSSD 423159)