Security Bank and Trust Company: 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) climbed 13.80 percentage points in Q2 2026, from 255.48% to 269.28%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Security Bank and Trust Company is 32nd of 169 on loan-to-deposit ratio, 94.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Security Bank and Trust Company sits 13.71 points higher, at 94.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.4M |
| Net loans and leases | $135.4M |
| Loans held for sale | $0 |
| Loans to total assets | 82.33% |
| Loan-to-deposit ratio | 94.55% |
| Net loans to equity capital | 10.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.51% |
| Multifamily (5+ residential) | 2.77% |
| Commercial and industrial | 16.69% |
| Consumer | 3.53% |
| Credit cards | 0.00% |
| Farm | 1.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 269.28% |
| Construction concentration (Tier 1 capital + allowance) | 83.30% |
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 | 7.39% |
| Interest income on loans | $2.5M |
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 | $103.8M | $119.0M | 38.51% | 16.47% | 4.66% |
| Q4 2023 | $109.7M | $120.5M | 39.02% | 17.35% | 4.61% |
| Q1 2024 | $111.5M | $125.8M | 37.33% | 16.69% | 4.78% |
| Q2 2024 | $112.8M | $126.5M | 38.91% | 15.18% | 4.81% |
| Q3 2024 | $120.1M | $132.6M | 37.27% | 16.68% | 4.50% |
| Q4 2024 | $119.0M | $132.4M | 38.30% | 16.83% | 4.67% |
| Q1 2025 | $118.5M | $132.5M | 31.13% | 18.20% | 4.52% |
| Q2 2025 | $123.0M | $131.9M | 30.84% | 17.88% | 4.51% |
| Q3 2025 | $121.3M | $138.7M | 31.05% | 18.45% | 4.62% |
| Q4 2025 | $122.6M | $131.2M | 30.16% | 16.44% | 4.57% |
| Q1 2026 | $129.1M | $136.3M | 28.49% | 16.94% | 4.00% |
| Q2 2026 | $137.4M | $145.4M | 28.51% | 16.69% | 3.53% |
Security Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and Trust Company, 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9881) · FFIEC NIC profile (RSSD 19356)