Southwest Bank of Weatherford: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.69 percentage points lower than in Q1 2026, at 90.36%. Southwest Bank of Weatherford ranks 133rd of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 62.23% (Q2 2026). Southwest Bank of Weatherford reported 62.23% on loan-to-deposit ratio for Q2 2026, 5.39 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $46.7M |
| Net loans and leases | $45.8M |
| Loans held for sale | $0 |
| Loans to total assets | 54.25% |
| Loan-to-deposit ratio | 62.23% |
| Net loans to equity capital | 4.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.24% |
| Multifamily (5+ residential) | 4.50% |
| Commercial and industrial | 7.27% |
| Consumer | 7.02% |
| Credit cards | 0.00% |
| Farm | 7.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.36% |
| Construction concentration (Tier 1 capital + allowance) | 47.71% |
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 | 7.11% |
| Interest income on loans | $874K |
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 | $43.7M | $71.2M | 23.93% | 7.91% | 10.13% |
| Q4 2023 | $45.0M | $67.6M | 23.17% | 7.40% | 9.54% |
| Q1 2024 | $47.5M | $68.3M | 23.25% | 6.63% | 8.62% |
| Q2 2024 | $45.3M | $66.8M | 24.09% | 7.66% | 9.08% |
| Q3 2024 | $45.2M | $66.1M | 23.37% | 7.71% | 9.04% |
| Q4 2024 | $44.6M | $65.0M | 22.99% | 7.06% | 8.60% |
| Q1 2025 | $46.5M | $68.3M | 21.90% | 6.82% | 8.25% |
| Q2 2025 | $47.8M | $67.0M | 23.68% | 7.03% | 7.87% |
| Q3 2025 | $49.4M | $68.1M | 23.30% | 6.61% | 7.49% |
| Q4 2025 | $49.5M | $67.5M | 23.33% | 6.14% | 7.21% |
| Q1 2026 | $50.1M | $72.1M | 22.22% | 5.96% | 6.64% |
| Q2 2026 | $46.7M | $75.0M | 21.24% | 7.27% | 7.02% |
Southwest Bank of Weatherford loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Bank of Weatherford, 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 Southwest Bank of Weatherford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4076) · FFIEC NIC profile (RSSD 1014059)