The First National Bank in Marlow: 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 Loan-to-deposit ratio: 8.87 percentage points lower than in Q1 2026, at 68.27%. The First National Bank in Marlow ranks 116th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 68.27% (Q2 2026). At 68.27%, The First National Bank in Marlow's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $44.6M |
| Net loans and leases | $43.5M |
| Loans held for sale | $0 |
| Loans to total assets | 62.11% |
| Loan-to-deposit ratio | 68.27% |
| Net loans to equity capital | 8.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.01% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.35% |
| Consumer | 7.86% |
| Credit cards | 0.00% |
| Farm | 9.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.38% |
| Construction concentration (Tier 1 capital + allowance) | 9.21% |
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 | 7.29% |
| Interest income on loans | $867K |
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 | $67.6M | 39.08% | 5.98% | 8.31% |
| Q4 2023 | $46.6M | $56.6M | 42.48% | 5.64% | 8.42% |
| Q1 2024 | $45.6M | $57.1M | 42.44% | 4.37% | 8.23% |
| Q2 2024 | $45.6M | $57.0M | 41.92% | 4.10% | 8.39% |
| Q3 2024 | $48.1M | $57.5M | 45.05% | 3.85% | 8.28% |
| Q4 2024 | $49.2M | $58.5M | 43.93% | 3.53% | 7.66% |
| Q1 2025 | $50.0M | $63.7M | 46.19% | 3.01% | 8.22% |
| Q2 2025 | $50.4M | $64.3M | 46.96% | 2.64% | 8.24% |
| Q3 2025 | $51.3M | $63.9M | 46.97% | 2.57% | 7.73% |
| Q4 2025 | $51.7M | $64.0M | 45.77% | 2.54% | 7.62% |
| Q1 2026 | $50.7M | $65.7M | 47.35% | 2.22% | 7.06% |
| Q2 2026 | $44.6M | $65.3M | 42.01% | 2.35% | 7.86% |
The First National Bank in Marlow loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Marlow, 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 First National Bank in Marlow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26260) · FFIEC NIC profile (RSSD 17259)