Shamrock Bank, N.A.: 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) climbed 6.82 percentage points in Q2 2026, from 60.02% to 66.83%. It was the largest change from Q1 2026 among the key lines here. Shamrock Bank, N.A. ranks 104th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 72.17% (Q2 2026). Shamrock Bank, N.A. reported 72.17% on loan-to-deposit ratio for Q2 2026, 8.67 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $326.8M |
| Net loans and leases | $322.7M |
| Loans held for sale | $0 |
| Loans to total assets | 65.18% |
| Loan-to-deposit ratio | 72.17% |
| Net loans to equity capital | 7.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.04% |
| Multifamily (5+ residential) | 1.60% |
| Commercial and industrial | 4.61% |
| Consumer | 5.10% |
| Credit cards | 0.00% |
| Farm | 9.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 210.46% |
| Construction concentration (Tier 1 capital + allowance) | 66.83% |
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 | $6.0M |
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 | $243.2M | $396.8M | 33.46% | 6.60% | 6.94% |
| Q4 2023 | $244.3M | $398.4M | 33.75% | 6.24% | 6.86% |
| Q1 2024 | $251.2M | $403.1M | 33.79% | 5.76% | 6.58% |
| Q2 2024 | $260.8M | $404.0M | 32.30% | 6.37% | 6.34% |
| Q3 2024 | $267.6M | $392.7M | 33.02% | 6.27% | 6.21% |
| Q4 2024 | $284.8M | $400.4M | 30.97% | 5.89% | 5.73% |
| Q1 2025 | $295.0M | $435.5M | 30.75% | 5.03% | 5.90% |
| Q2 2025 | $302.5M | $441.0M | 31.43% | 5.35% | 5.78% |
| Q3 2025 | $311.9M | $447.6M | 33.00% | 4.94% | 5.56% |
| Q4 2025 | $327.7M | $442.0M | 33.51% | 4.34% | 5.39% |
| Q1 2026 | $326.2M | $458.1M | 34.90% | 4.31% | 5.26% |
| Q2 2026 | $326.8M | $452.9M | 34.04% | 4.61% | 5.10% |
Shamrock Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Shamrock Bank, N.A., 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 Shamrock Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4236) · FFIEC NIC profile (RSSD 300353)