The Seiling State 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.
Construction concentration (tier 1 capital + allowance) dropped 5.35 percentage points in Q2 2026, from 36.87% to 31.52%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Seiling State Bank is 81st of 169 on loan-to-deposit ratio, 79.57% as of Q2 2026, above the middle of the field. At 79.57%, The Seiling State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $139.4M |
| Net loans and leases | $137.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.46% |
| Loan-to-deposit ratio | 79.57% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.06% |
| Multifamily (5+ residential) | 1.02% |
| Commercial and industrial | 26.53% |
| Consumer | 3.71% |
| Credit cards | 0.00% |
| Farm | 17.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.06% |
| Construction concentration (Tier 1 capital + allowance) | 31.52% |
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 | 7.29% |
| 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 | $104.9M | $158.3M | 11.03% | 33.48% | 3.03% |
| Q4 2023 | $114.2M | $173.1M | 10.92% | 34.13% | 2.88% |
| Q1 2024 | $114.5M | $170.0M | 10.64% | 33.95% | 2.80% |
| Q2 2024 | $114.9M | $173.9M | 10.20% | 32.62% | 2.91% |
| Q3 2024 | $114.3M | $169.0M | 11.44% | 30.75% | 2.95% |
| Q4 2024 | $130.2M | $175.3M | 10.23% | 33.32% | 2.46% |
| Q1 2025 | $126.9M | $175.9M | 10.02% | 32.37% | 2.55% |
| Q2 2025 | $124.0M | $174.2M | 10.33% | 30.98% | 2.68% |
| Q3 2025 | $135.3M | $194.2M | 9.73% | 31.43% | 2.56% |
| Q4 2025 | $143.3M | $178.0M | 9.70% | 28.07% | 2.47% |
| Q1 2026 | $138.6M | $181.5M | 9.70% | 26.18% | 3.33% |
| Q2 2026 | $139.4M | $175.2M | 10.06% | 26.53% | 3.71% |
The Seiling State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Seiling State 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 The Seiling State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4193) · FFIEC NIC profile (RSSD 313157)