The State Exchange 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.
Commercial real estate (nonfarm nonresidential) dropped 3.52 percentage points in Q2 2026, from 32.69% to 29.17%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The State Exchange Bank is 79th of 169 on loan-to-deposit ratio, 79.80% as of Q2 2026, above the middle of the field. The State Exchange Bank reported 79.80% on loan-to-deposit ratio for Q2 2026, 12.17 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.7M |
| Net loans and leases | $60.9M |
| Loans held for sale | $0 |
| Loans to total assets | 69.99% |
| Loan-to-deposit ratio | 79.80% |
| Net loans to equity capital | 6.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.17% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 13.46% |
| Consumer | 1.02% |
| Credit cards | 0.00% |
| Farm | 20.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 118.51% |
| Construction concentration (Tier 1 capital + allowance) | 29.27% |
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 | 7.85% |
| 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 | $99.5M | $101.9M | 31.50% | 19.02% | 0.78% |
| Q4 2023 | $101.1M | $105.4M | 32.25% | 18.35% | 1.07% |
| Q1 2024 | $101.7M | $101.4M | 32.42% | 17.92% | 1.04% |
| Q2 2024 | $99.9M | $97.2M | 33.53% | 17.92% | 0.67% |
| Q3 2024 | $94.8M | $100.6M | 34.67% | 16.51% | 0.67% |
| Q4 2024 | $91.3M | $97.0M | 34.63% | 15.59% | 0.65% |
| Q1 2025 | $89.5M | $93.0M | 33.49% | 14.81% | 0.68% |
| Q2 2025 | $75.2M | $85.0M | 35.46% | 13.67% | 0.72% |
| Q3 2025 | $75.0M | $83.0M | 35.11% | 11.75% | 0.84% |
| Q4 2025 | $70.7M | $84.1M | 33.66% | 12.56% | 0.87% |
| Q1 2026 | $64.7M | $83.5M | 32.69% | 12.97% | 0.86% |
| Q2 2026 | $62.7M | $78.6M | 29.17% | 13.46% | 1.02% |
The State Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Exchange 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 The State Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13551) · FFIEC NIC profile (RSSD 354851)