Watermark 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 9.43 percentage points lower than in Q1 2026, at 71.41%. Within Oklahoma, Watermark Bank is 19th of 169 on loan-to-deposit ratio, 98.35% as of Q2 2026, above the middle of the field. Watermark Bank reported 98.35% on loan-to-deposit ratio for Q2 2026, 17.40 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $381.0M |
| Net loans and leases | $376.2M |
| Loans held for sale | $0 |
| Loans to total assets | 84.56% |
| Loan-to-deposit ratio | 98.35% |
| Net loans to equity capital | 6.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.32% |
| Multifamily (5+ residential) | 3.23% |
| Commercial and industrial | 38.60% |
| Consumer | 0.08% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 166.68% |
| Construction concentration (Tier 1 capital + allowance) | 71.41% |
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 | 6.99% |
| Interest income on loans | $6.5M |
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 | $269.1M | $267.5M | 25.43% | 41.55% | 0.24% |
| Q4 2023 | $266.1M | $264.2M | 25.32% | 42.20% | 0.19% |
| Q1 2024 | $268.7M | $268.6M | 27.32% | 39.10% | 0.17% |
| Q2 2024 | $276.1M | $292.2M | 26.96% | 35.73% | 0.21% |
| Q3 2024 | $302.3M | $314.9M | 25.61% | 37.48% | 0.25% |
| Q4 2024 | $288.3M | $307.9M | 26.76% | 34.27% | 0.22% |
| Q1 2025 | $296.5M | $315.3M | 30.80% | 32.19% | 0.20% |
| Q2 2025 | $302.3M | $298.6M | 31.70% | 33.17% | 0.20% |
| Q3 2025 | $326.8M | $357.9M | 31.64% | 35.44% | 0.08% |
| Q4 2025 | $339.2M | $347.0M | 30.98% | 34.95% | 0.12% |
| Q1 2026 | $358.4M | $368.0M | 30.50% | 33.12% | 0.11% |
| Q2 2026 | $381.0M | $387.4M | 26.32% | 38.60% | 0.08% |
Watermark Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Watermark 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 Watermark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59148) · FFIEC NIC profile (RSSD 5313312)