SNB 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.
Yield on loans dropped 1.69 percentage points in Q2 2026, from 7.44% to 5.75%. It was the largest change from Q1 2026 among the key lines here. SNB Bank, N.A. ranks 69th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 82.70% (Q2 2026). At 82.70%, SNB Bank, N.A.'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 | $92.1M |
| Net loans and leases | $90.4M |
| Loans held for sale | $0 |
| Loans to total assets | 71.13% |
| Loan-to-deposit ratio | 82.70% |
| Net loans to equity capital | 6.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.83% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 31.29% |
| Consumer | 4.44% |
| Credit cards | 0.00% |
| Farm | 22.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.19% |
| Construction concentration (Tier 1 capital + allowance) | 1.21% |
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 | 5.75% |
| Interest income on loans | $1.3M |
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 | $111.5M | $130.3M | 13.61% | 34.56% | 5.31% |
| Q4 2023 | $113.2M | $129.6M | 14.61% | 30.74% | 4.90% |
| Q1 2024 | $111.4M | $121.5M | 16.02% | 31.35% | 4.54% |
| Q2 2024 | $110.8M | $120.5M | 15.25% | 31.02% | 4.73% |
| Q3 2024 | $110.7M | $120.4M | 15.52% | 31.74% | 4.48% |
| Q4 2024 | $109.5M | $129.1M | 15.69% | 33.05% | 4.29% |
| Q1 2025 | $112.0M | $128.2M | 17.57% | 33.45% | 4.48% |
| Q2 2025 | $104.4M | $126.7M | 21.26% | 32.88% | 4.94% |
| Q3 2025 | $104.4M | $118.2M | 21.07% | 32.10% | 4.94% |
| Q4 2025 | $99.5M | $115.7M | 19.38% | 31.11% | 5.02% |
| Q1 2026 | $91.0M | $109.9M | 18.71% | 30.98% | 4.69% |
| Q2 2026 | $92.1M | $111.3M | 18.83% | 31.29% | 4.44% |
SNB Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock SNB 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 SNB Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4196) · FFIEC NIC profile (RSSD 394156)