Quail Creek 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): 9.29 percentage points higher than in Q1 2026, at 346.76%. Within Oklahoma, Quail Creek Bank is 72nd of 169 on loan-to-deposit ratio, 81.90% as of Q2 2026, above the middle of the field. At 81.90%, Quail Creek Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $619.5M |
| Net loans and leases | $612.4M |
| Loans held for sale | $0 |
| Loans to total assets | 74.54% |
| Loan-to-deposit ratio | 81.90% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.41% |
| Multifamily (5+ residential) | 0.53% |
| Commercial and industrial | 4.69% |
| Consumer | 0.89% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 346.76% |
| Construction concentration (Tier 1 capital + allowance) | 82.50% |
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 | 6.84% |
| Interest income on loans | $10.6M |
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 | $574.3M | $694.7M | 44.36% | 5.78% | 1.64% |
| Q4 2023 | $587.0M | $705.3M | 43.71% | 6.55% | 1.59% |
| Q1 2024 | $601.9M | $703.8M | 44.40% | 6.11% | 1.44% |
| Q2 2024 | $608.8M | $724.2M | 43.90% | 6.28% | 1.32% |
| Q3 2024 | $608.1M | $707.2M | 43.26% | 6.64% | 1.22% |
| Q4 2024 | $603.6M | $704.0M | 41.48% | 7.34% | 1.17% |
| Q1 2025 | $596.7M | $706.0M | 41.84% | 6.85% | 1.18% |
| Q2 2025 | $605.7M | $717.2M | 41.14% | 6.49% | 1.22% |
| Q3 2025 | $616.9M | $724.3M | 40.20% | 6.06% | 1.12% |
| Q4 2025 | $617.6M | $743.3M | 40.18% | 6.06% | 1.08% |
| Q1 2026 | $616.9M | $748.9M | 41.41% | 5.26% | 0.92% |
| Q2 2026 | $619.5M | $756.5M | 41.41% | 4.69% | 0.89% |
Quail Creek Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Quail Creek 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 Quail Creek Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21848) · FFIEC NIC profile (RSSD 507152)