Panhandle First 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 Construction concentration (Tier 1 capital + allowance): 4.35 percentage points higher than in Q1 2026, at 44.74%. Within Oklahoma, Panhandle First Bank is 90th of 169 on loan-to-deposit ratio, 76.83% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Panhandle First Bank sits 3.73 points lower, at 76.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $355.7M |
| Net loans and leases | $350.1M |
| Loans held for sale | $0 |
| Loans to total assets | 62.55% |
| Loan-to-deposit ratio | 76.83% |
| Net loans to equity capital | 4.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.73% |
| Multifamily (5+ residential) | 1.20% |
| Commercial and industrial | 15.68% |
| Consumer | 2.88% |
| Credit cards | 0.07% |
| Farm | 10.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 129.73% |
| Construction concentration (Tier 1 capital + allowance) | 44.74% |
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 | 8.47% |
| Interest income on loans | $7.6M |
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 | $137.2M | $188.0M | 37.27% | 16.15% | 2.12% |
| Q4 2023 | $152.4M | $181.9M | 39.62% | 14.91% | 1.87% |
| Q1 2024 | $154.2M | $194.8M | 39.92% | 13.52% | 1.90% |
| Q2 2024 | $354.2M | $418.5M | 24.70% | 17.78% | 2.86% |
| Q3 2024 | $360.4M | $430.9M | 25.47% | 15.66% | 2.78% |
| Q4 2024 | $379.0M | $432.3M | 26.68% | 16.23% | 3.00% |
| Q1 2025 | $377.1M | $435.5M | 26.78% | 16.14% | 3.00% |
| Q2 2025 | $371.0M | $435.7M | 26.20% | 15.63% | 3.15% |
| Q3 2025 | $377.1M | $443.3M | 25.86% | 16.84% | 3.11% |
| Q4 2025 | $369.6M | $458.9M | 27.86% | 17.37% | 2.80% |
| Q1 2026 | $361.2M | $464.4M | 28.15% | 17.74% | 2.93% |
| Q2 2026 | $355.7M | $463.0M | 26.73% | 15.68% | 2.88% |
Panhandle First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Panhandle First 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 Panhandle First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22340) · FFIEC NIC profile (RSSD 192857)