Prism 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 Loan-to-deposit ratio: 5.11 percentage points lower than in Q1 2026, at 96.38%. Within Oklahoma, Prism Bank is 28th of 169 on loan-to-deposit ratio, 96.38% as of Q2 2026, above the middle of the field. Prism Bank reported 96.38% on loan-to-deposit ratio for Q2 2026, 15.43 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $616.4M |
| Net loans and leases | $609.5M |
| Loans held for sale | $0 |
| Loans to total assets | 85.51% |
| Loan-to-deposit ratio | 96.38% |
| Net loans to equity capital | 8.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.59% |
| Multifamily (5+ residential) | 2.18% |
| Commercial and industrial | 40.23% |
| Consumer | 0.20% |
| Credit cards | 0.00% |
| Farm | 0.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 300.69% |
| Construction concentration (Tier 1 capital + allowance) | 18.98% |
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 | 7.04% |
| Interest income on loans | $10.0M |
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 | $246.7M | $246.7M | 34.71% | 12.79% | 0.82% |
| Q4 2023 | $256.5M | $264.8M | 35.83% | 12.59% | 0.86% |
| Q1 2024 | $276.4M | $269.8M | 33.42% | 20.05% | 0.74% |
| Q2 2024 | $305.4M | $308.9M | 35.30% | 19.95% | 0.70% |
| Q3 2024 | $336.7M | $345.7M | 34.47% | 23.86% | 0.60% |
| Q4 2024 | $395.2M | $394.6M | 32.68% | 31.61% | 0.45% |
| Q1 2025 | $404.8M | $405.5M | 35.56% | 30.03% | 0.37% |
| Q2 2025 | $450.4M | $458.1M | 34.45% | 32.76% | 0.36% |
| Q3 2025 | $481.2M | $503.0M | 31.99% | 36.05% | 0.29% |
| Q4 2025 | $551.3M | $575.4M | 30.45% | 40.29% | 0.23% |
| Q1 2026 | $561.6M | $553.4M | 37.64% | 35.83% | 0.23% |
| Q2 2026 | $616.4M | $639.6M | 36.59% | 40.23% | 0.20% |
Prism Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prism 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 Prism Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5994) · FFIEC NIC profile (RSSD 905356)