The State Bank of Wynnewood: 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.
Farm climbed 1.37 percentage points in Q3 2026, from 46.20% to 47.57%. It was the largest change from Q2 2026 among the key lines here. The State Bank of Wynnewood ranks 144th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 51.77% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The State Bank of Wynnewood sits 29.07 points lower, at 51.77% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $48.6M |
| Net loans and leases | $48.0M |
| Loans held for sale | $0 |
| Loans to total assets | 44.72% |
| Loan-to-deposit ratio | 51.77% |
| Net loans to equity capital | 3.34% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.51% |
| Multifamily (5+ residential) | 1.35% |
| Commercial and industrial | 7.66% |
| Consumer | 2.71% |
| Credit cards | 0.00% |
| Farm | 47.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.47% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.56% |
| Interest income on loans | $804K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $45.9M | $88.4M | 6.39% | 11.61% | 3.72% |
| Q1 2024 | $46.3M | $96.4M | 6.19% | 12.11% | 3.78% |
| Q2 2024 | $47.2M | $96.3M | 5.76% | 12.92% | 3.90% |
| Q3 2024 | $50.4M | $98.0M | 11.17% | 12.23% | 3.53% |
| Q4 2024 | $50.2M | $98.3M | 9.70% | 11.58% | 3.45% |
| Q1 2025 | $48.7M | $99.8M | 10.24% | 11.26% | 3.34% |
| Q2 2025 | $48.2M | $97.7M | 9.65% | 10.04% | 3.25% |
| Q3 2025 | $49.6M | $95.5M | 9.35% | 8.83% | 2.76% |
| Q4 2025 | $49.4M | $86.5M | 10.60% | 9.45% | 2.82% |
| Q1 2026 | $49.5M | $98.6M | 10.56% | 8.00% | 2.77% |
| Q2 2026 | $50.3M | $95.8M | 11.33% | 7.81% | 2.78% |
| Q3 2026 | $48.6M | $93.9M | 10.51% | 7.66% | 2.71% |
The State Bank of Wynnewood loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Wynnewood, 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 State Bank of Wynnewood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4232) · FFIEC NIC profile (RSSD 952257)