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The State Exchange Bank

Lamont, OklahomaFDIC Cert #13551

STATEEstablished 19011 branch

Holding company: STATE EXCHANGE BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$10.6M
Investor CRE$10.6M
Multifamily$221K
Construction$3.34M
1–4 family$6.7M
C&I$8.39M
Agriculture$24.3M
Other$564K

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$64.7M
−27.7%y/y
Percentile by value87th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSGR
Net loans
$62.9M
−27.6%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET
Loans YoY
−27.60%
−118.2%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET
L/D
75.4%
−19.3%y/y
Percentile by value64th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET + DEP
Loans/assets
66.6%
−15.6%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET + ASSET
RE loans %
69.70%
+2.8%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,553points
−1.2%y/y
Peer standing92nd percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
16.32%
+38.2%y/y
Percentile by value90th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNRENROW + LNLSGR
Investor CRE %
16.36%
−24.5%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNRENROT + LNLSGR
C&I %
12.97%
−12.4%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNCI + LNLSGR