Oakworth Capital 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 14.54 percentage points in Q2 2026, from 206.12% to 191.59%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Oakworth Capital Bank ranks 8th highest among the 93 banks headquartered in Alabama, at 97.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Oakworth Capital Bank sits 9.45 points higher, at 97.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.73B |
| Net loans and leases | $1.71B |
| Loans held for sale | $0 |
| Loans to total assets | 80.96% |
| Loan-to-deposit ratio | 97.65% |
| Net loans to equity capital | 8.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.05% |
| Multifamily (5+ residential) | 3.19% |
| Commercial and industrial | 39.37% |
| Consumer | 1.61% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.59% |
| Construction concentration (Tier 1 capital + allowance) | 45.82% |
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 | 6.33% |
| Interest income on loans | $26.7M |
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 | $1.15B | $1.27B | 25.96% | 41.66% | 2.81% |
| Q4 2023 | $1.24B | $1.45B | 28.35% | 40.00% | 2.77% |
| Q1 2024 | $1.28B | $1.44B | 28.95% | 40.75% | 3.10% |
| Q2 2024 | $1.36B | $1.40B | 28.60% | 41.24% | 3.42% |
| Q3 2024 | $1.41B | $1.53B | 30.02% | 40.37% | 3.07% |
| Q4 2024 | $1.46B | $1.61B | 29.13% | 41.16% | 2.79% |
| Q1 2025 | $1.49B | $1.63B | 27.95% | 43.31% | 2.91% |
| Q2 2025 | $1.50B | $1.58B | 28.33% | 42.73% | 2.91% |
| Q3 2025 | $1.53B | $1.70B | 29.65% | 42.39% | 1.55% |
| Q4 2025 | $1.60B | $1.84B | 31.06% | 39.57% | 1.32% |
| Q1 2026 | $1.67B | $1.79B | 30.65% | 39.15% | 1.26% |
| Q2 2026 | $1.73B | $1.77B | 30.05% | 39.37% | 1.61% |
Oakworth Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oakworth Capital 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 Oakworth Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58783) · FFIEC NIC profile (RSSD 3720608)