Anstaff 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): 5.95 percentage points higher than in Q1 2026, at 197.40%. Within Arkansas, Anstaff Bank is 41st of 78 on loan-to-deposit ratio, 86.35% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Anstaff Bank reported 86.35% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $912.8M |
| Net loans and leases | $901.6M |
| Loans held for sale | $392K |
| Loans to total assets | 77.32% |
| Loan-to-deposit ratio | 86.35% |
| Net loans to equity capital | 7.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.99% |
| Multifamily (5+ residential) | 5.19% |
| Commercial and industrial | 8.96% |
| Consumer | 3.12% |
| Credit cards | 0.09% |
| Farm | 23.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 197.40% |
| Construction concentration (Tier 1 capital + allowance) | 40.37% |
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 | 6.77% |
| Interest income on loans | $15.1M |
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 | $722.0M | $908.6M | 21.16% | 10.43% | 3.75% |
| Q4 2023 | $731.5M | $895.1M | 20.83% | 10.37% | 3.64% |
| Q1 2024 | $733.5M | $912.0M | 20.51% | 10.65% | 3.55% |
| Q2 2024 | $736.6M | $920.4M | 21.17% | 10.23% | 3.74% |
| Q3 2024 | $755.4M | $956.4M | 21.96% | 10.36% | 3.67% |
| Q4 2024 | $773.7M | $966.3M | 21.86% | 10.20% | 3.48% |
| Q1 2025 | $786.6M | $991.0M | 21.12% | 10.62% | 3.33% |
| Q2 2025 | $822.3M | $1.02B | 22.81% | 11.09% | 3.26% |
| Q3 2025 | $833.6M | $1.03B | 23.33% | 9.94% | 3.30% |
| Q4 2025 | $850.4M | $1.03B | 23.85% | 9.77% | 3.23% |
| Q1 2026 | $880.6M | $1.06B | 25.06% | 9.66% | 3.16% |
| Q2 2026 | $912.8M | $1.06B | 24.99% | 8.96% | 3.12% |
Anstaff Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Anstaff 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 Anstaff Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3869) · FFIEC NIC profile (RSSD 261940)