Old Glory 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): 14.84 percentage points higher than in Q1 2026, at 122.61%. Old Glory Bank has the 1st lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 8.60% as of Q2 2026. Old Glory Bank's loan-to-deposit ratio of 8.60% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 71.96 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.1M |
| Net loans and leases | $22.8M |
| Loans held for sale | $96K |
| Loans to total assets | 8.34% |
| Loan-to-deposit ratio | 8.60% |
| Net loans to equity capital | 3.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 33.85% |
| Consumer | 6.78% |
| Credit cards | 0.00% |
| Farm | 3.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.61% |
| Construction concentration (Tier 1 capital + allowance) | 0.26% |
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 | 7.07% |
| Interest income on loans | $408K |
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 | $7.0M | $76.0M | 7.42% | 17.33% | 1.75% |
| Q4 2023 | $4.8M | $86.3M | 10.32% | 20.96% | 3.33% |
| Q1 2024 | $10.2M | $106.3M | 4.83% | 10.05% | 1.39% |
| Q2 2024 | $3.3M | $128.8M | 14.59% | 26.97% | 3.60% |
| Q3 2024 | $3.4M | $149.4M | 13.96% | 28.12% | 5.69% |
| Q4 2024 | $4.5M | $173.2M | 14.79% | 31.43% | 10.61% |
| Q1 2025 | $10.3M | $191.5M | 16.68% | 16.64% | 21.99% |
| Q2 2025 | $16.6M | $221.9M | 31.13% | 19.05% | 13.81% |
| Q3 2025 | $18.7M | $226.6M | 42.84% | 14.84% | 8.87% |
| Q4 2025 | $18.3M | $246.9M | 49.01% | 23.02% | 7.95% |
| Q1 2026 | $26.0M | $269.6M | 44.13% | 22.47% | 6.29% |
| Q2 2026 | $23.1M | $268.7M | 46.14% | 33.85% | 6.78% |
Old Glory Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Glory 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 Old Glory Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18924) · FFIEC NIC profile (RSSD 116554)