Wisdom Heritage 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 CRE concentration (Tier 1 capital + allowance): 4.82 percentage points higher than in Q1 2026, at 131.59%. Within Oklahoma, Wisdom Heritage Bank is 138th of 169 on loan-to-deposit ratio, 60.39% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wisdom Heritage Bank sits 20.45 points lower, at 60.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $305.5M |
| Net loans and leases | $300.7M |
| Loans held for sale | $0 |
| Loans to total assets | 50.79% |
| Loan-to-deposit ratio | 60.39% |
| Net loans to equity capital | 3.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.48% |
| Multifamily (5+ residential) | 0.05% |
| Commercial and industrial | 6.48% |
| Consumer | 0.77% |
| Credit cards | 0.00% |
| Farm | 15.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.59% |
| Construction concentration (Tier 1 capital + allowance) | 19.89% |
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 | 6.80% |
| Interest income on loans | $5.1M |
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 | $238.3M | $386.2M | 37.19% | 12.22% | 1.20% |
| Q4 2023 | $257.7M | $412.0M | 35.01% | 10.42% | 1.26% |
| Q1 2024 | $259.3M | $422.8M | 35.49% | 9.66% | 1.14% |
| Q2 2024 | $238.7M | $405.8M | 37.88% | 8.92% | 1.18% |
| Q3 2024 | $239.5M | $411.5M | 42.16% | 8.40% | 0.91% |
| Q4 2024 | $306.4M | $482.6M | 36.65% | 8.50% | 0.68% |
| Q1 2025 | $299.7M | $473.1M | 35.35% | 10.46% | 0.68% |
| Q2 2025 | $279.1M | $467.6M | 37.41% | 9.90% | 0.79% |
| Q3 2025 | $284.5M | $481.6M | 35.25% | 9.56% | 0.72% |
| Q4 2025 | $330.9M | $528.7M | 31.19% | 8.37% | 0.63% |
| Q1 2026 | $301.1M | $517.4M | 35.78% | 7.48% | 0.77% |
| Q2 2026 | $305.5M | $505.8M | 35.48% | 6.48% | 0.77% |
Wisdom Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wisdom Heritage 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 Wisdom Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9465) · FFIEC NIC profile (RSSD 246956)