Washita State 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 28.90 percentage points in Q2 2026, from 54.92% to 83.81%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Washita State Bank is 59th of 169 on loan-to-deposit ratio, 84.69% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Washita State Bank sits 17.06 points higher, at 84.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.2M |
| Net loans and leases | $29.8M |
| Loans held for sale | $0 |
| Loans to total assets | 68.26% |
| Loan-to-deposit ratio | 84.69% |
| Net loans to equity capital | 4.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.70% |
| Multifamily (5+ residential) | 10.95% |
| Commercial and industrial | 25.08% |
| Consumer | 4.11% |
| Credit cards | 0.00% |
| Farm | 9.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.81% |
| Construction concentration (Tier 1 capital + allowance) | 11.71% |
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 | — |
| Interest income on loans | $551K |
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 | $24.5M | $35.4M | 13.07% | 10.96% | 11.13% |
| Q4 2023 | $25.5M | $38.4M | 17.35% | 10.71% | 10.52% |
| Q1 2024 | $27.0M | $44.7M | 17.89% | 11.60% | 10.23% |
| Q2 2024 | $25.9M | $46.4M | 18.50% | 18.36% | 4.00% |
| Q3 2024 | $26.4M | $37.1M | 19.45% | 17.39% | 3.69% |
| Q4 2024 | $28.3M | $35.1M | 18.42% | 15.77% | 3.31% |
| Q1 2025 | $30.0M | $36.4M | 17.29% | 18.19% | 3.69% |
| Q2 2025 | $31.0M | $38.5M | 22.47% | 18.72% | 3.96% |
| Q3 2025 | $29.6M | $37.5M | 18.47% | 19.19% | 4.27% |
| Q4 2025 | $30.0M | $35.0M | 12.21% | 25.03% | 4.22% |
| Q1 2026 | $28.1M | $35.3M | 12.71% | 26.06% | 4.55% |
| Q2 2026 | $30.2M | $35.7M | 11.70% | 25.08% | 4.11% |
Washita State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Washita State 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 Washita State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22430) · FFIEC NIC profile (RSSD 1856)