The Payne County 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 6.49 percentage points in Q2 2026, from 90.05% to 83.57%. It was the largest change from Q1 2026 among the key lines here. The Payne County Bank ranks 40th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 91.68% (Q2 2026). The Payne County Bank reported 91.68% on loan-to-deposit ratio for Q2 2026, 10.84 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $235.7M |
| Net loans and leases | $233.8M |
| Loans held for sale | $0 |
| Loans to total assets | 75.26% |
| Loan-to-deposit ratio | 91.68% |
| Net loans to equity capital | 5.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.80% |
| Multifamily (5+ residential) | 1.21% |
| Commercial and industrial | 8.53% |
| Consumer | 6.06% |
| Credit cards | 0.00% |
| Farm | 11.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.57% |
| Construction concentration (Tier 1 capital + allowance) | 41.56% |
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 | 7.37% |
| Interest income on loans | $4.2M |
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 | $170.3M | $187.7M | 9.04% | 9.95% | 7.67% |
| Q4 2023 | $175.8M | $192.7M | 8.41% | 9.23% | 7.39% |
| Q1 2024 | $177.8M | $200.5M | 8.32% | 9.84% | 7.26% |
| Q2 2024 | $178.9M | $204.3M | 8.49% | 9.09% | 7.30% |
| Q3 2024 | $183.3M | $205.8M | 8.09% | 9.14% | 7.15% |
| Q4 2024 | $192.2M | $221.4M | 8.33% | 8.72% | 6.96% |
| Q1 2025 | $196.0M | $227.5M | 8.41% | 8.00% | 7.04% |
| Q2 2025 | $202.0M | $235.4M | 9.29% | 8.07% | 7.15% |
| Q3 2025 | $216.8M | $233.9M | 10.24% | 8.48% | 6.78% |
| Q4 2025 | $220.9M | $240.8M | 10.16% | 8.06% | 6.64% |
| Q1 2026 | $226.3M | $252.6M | 10.70% | 8.43% | 6.44% |
| Q2 2026 | $235.7M | $257.1M | 10.80% | 8.53% | 6.06% |
The Payne County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Payne County 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 The Payne County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12485) · FFIEC NIC profile (RSSD 455150)