The Security National Bank of Enid: 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 9.27 percentage points in Q2 2026, from 182.15% to 191.43%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Security National Bank of Enid is 126th of 169 on loan-to-deposit ratio, 64.43% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Security National Bank of Enid sits 16.52 points lower, at 64.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $235.8M |
| Net loans and leases | $232.8M |
| Loans held for sale | $0 |
| Loans to total assets | 58.89% |
| Loan-to-deposit ratio | 64.43% |
| Net loans to equity capital | 6.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.74% |
| Multifamily (5+ residential) | 0.22% |
| Commercial and industrial | 8.30% |
| Consumer | 0.58% |
| Credit cards | 0.00% |
| Farm | 2.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 7.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.43% |
| Construction concentration (Tier 1 capital + allowance) | 8.72% |
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 | 5.56% |
| Interest income on loans | $3.3M |
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 | $197.5M | $324.9M | 34.39% | 8.36% | 1.21% |
| Q4 2023 | $203.2M | $347.8M | 34.69% | 9.04% | 0.95% |
| Q1 2024 | $205.9M | $345.7M | 36.67% | 8.85% | 0.79% |
| Q2 2024 | $208.9M | $346.7M | 36.11% | 9.48% | 0.85% |
| Q3 2024 | $211.4M | $342.0M | 35.76% | 8.34% | 0.86% |
| Q4 2024 | $218.6M | $352.3M | 34.57% | 9.13% | 0.74% |
| Q1 2025 | $225.4M | $367.2M | 35.40% | 8.75% | 0.62% |
| Q2 2025 | $224.8M | $357.7M | 33.19% | 8.43% | 0.68% |
| Q3 2025 | $226.1M | $335.1M | 34.75% | 7.39% | 1.07% |
| Q4 2025 | $231.8M | $356.3M | 34.49% | 8.31% | 0.80% |
| Q1 2026 | $234.6M | $366.6M | 35.49% | 9.83% | 0.76% |
| Q2 2026 | $235.8M | $366.0M | 36.74% | 8.30% | 0.58% |
The Security National Bank of Enid loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Security National Bank of Enid, 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 Security National Bank of Enid profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14966) · FFIEC NIC profile (RSSD 119153)