Sovereign 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.
Cre concentration (tier 1 capital + allowance) climbed 27.28 percentage points in Q2 2026, from 325.29% to 352.57%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Sovereign Bank ranks 12th highest among the 169 banks headquartered in Oklahoma, at 101.05% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Sovereign Bank sits 12.85 points higher, at 101.05% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.21B |
| Net loans and leases | $1.19B |
| Loans held for sale | $4.8M |
| Loans to total assets | 81.86% |
| Loan-to-deposit ratio | 101.05% |
| Net loans to equity capital | 7.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.13% |
| Multifamily (5+ residential) | 1.10% |
| Commercial and industrial | 16.89% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 3.60% |
| Loans to depository institutions | 0.16% |
| State and political subdivisions | 5.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 352.57% |
| Construction concentration (Tier 1 capital + allowance) | 114.29% |
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 | 7.24% |
| Interest income on loans | $19.7M |
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 | $727.3M | $776.4M | 43.23% | 16.43% | 0.70% |
| Q4 2023 | $755.0M | $808.3M | 40.06% | 17.09% | 0.60% |
| Q1 2024 | $808.5M | $830.3M | 39.94% | 17.22% | 0.55% |
| Q2 2024 | $863.7M | $884.5M | 40.34% | 17.65% | 0.50% |
| Q3 2024 | $880.1M | $886.2M | 39.59% | 17.19% | 0.53% |
| Q4 2024 | $932.6M | $1.03B | 38.60% | 17.08% | 0.51% |
| Q1 2025 | $967.5M | $1.04B | 41.49% | 16.72% | 0.50% |
| Q2 2025 | $1.00B | $1.06B | 39.88% | 15.28% | 0.52% |
| Q3 2025 | $1.03B | $1.07B | 40.20% | 15.28% | 0.48% |
| Q4 2025 | $1.07B | $1.12B | 40.52% | 17.83% | 0.48% |
| Q1 2026 | $1.11B | $1.14B | 39.96% | 17.79% | 0.46% |
| Q2 2026 | $1.21B | $1.19B | 40.13% | 16.89% | 0.43% |
Sovereign Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sovereign 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 Sovereign Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25738) · FFIEC NIC profile (RSSD 396253)