The Peoples National Bank of Checotah: 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 Commercial real estate (nonfarm nonresidential): 0.92 percentage points higher than in Q1 2026, at 12.58%. The Peoples National Bank of Checotah has the 9th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 33.10% as of Q2 2026. The Peoples National Bank of Checotah's loan-to-deposit ratio of 33.10% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 47.85 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $46.1M |
| Net loans and leases | $44.9M |
| Loans held for sale | $0 |
| Loans to total assets | 26.82% |
| Loan-to-deposit ratio | 33.10% |
| Net loans to equity capital | 1.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.58% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.74% |
| Consumer | 32.49% |
| Credit cards | 0.00% |
| Farm | 7.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.38% |
| Construction concentration (Tier 1 capital + allowance) | 1.88% |
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 | 7.48% |
| Interest income on loans | $861K |
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 | $48.4M | $138.9M | 10.78% | 5.73% | 34.87% |
| Q4 2023 | $48.5M | $136.9M | 10.54% | 5.71% | 33.71% |
| Q1 2024 | $48.3M | $141.4M | 11.10% | 6.10% | 33.28% |
| Q2 2024 | $47.5M | $139.6M | 11.10% | 6.20% | 34.07% |
| Q3 2024 | $46.8M | $132.5M | 11.34% | 6.04% | 34.99% |
| Q4 2024 | $47.1M | $132.0M | 11.01% | 5.89% | 34.74% |
| Q1 2025 | $46.4M | $142.0M | 11.30% | 6.27% | 34.32% |
| Q2 2025 | $46.4M | $136.6M | 10.26% | 6.26% | 34.25% |
| Q3 2025 | $47.5M | $131.4M | 11.48% | 5.47% | 34.53% |
| Q4 2025 | $46.9M | $136.7M | 11.26% | 5.12% | 33.44% |
| Q1 2026 | $46.1M | $139.8M | 11.66% | 5.08% | 33.05% |
| Q2 2026 | $46.1M | $139.3M | 12.58% | 4.74% | 32.49% |
The Peoples National Bank of Checotah loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples National Bank of Checotah, 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 Peoples National Bank of Checotah profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4059) · FFIEC NIC profile (RSSD 942454)