Armor 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): 13.42 percentage points higher than in Q1 2026, at 54.94%. Within Arkansas, Armor Bank is 42nd of 78 on loan-to-deposit ratio, 85.77% as of Q2 2026, below the middle of the field. Armor Bank reported 85.77% on loan-to-deposit ratio for Q2 2026, 4.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $395.0M |
| Net loans and leases | $390.0M |
| Loans held for sale | $0 |
| Loans to total assets | 76.41% |
| Loan-to-deposit ratio | 85.77% |
| Net loans to equity capital | 8.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.95% |
| Multifamily (5+ residential) | 8.61% |
| Commercial and industrial | 8.34% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 2.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.97% |
| Construction concentration (Tier 1 capital + allowance) | 54.94% |
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 | 6.83% |
| Interest income on loans | $6.6M |
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 | $323.5M | $401.0M | 35.47% | 10.14% | 1.16% |
| Q4 2023 | $318.4M | $399.5M | 33.88% | 10.89% | 1.19% |
| Q1 2024 | $329.3M | $403.9M | 34.58% | 11.38% | 1.10% |
| Q2 2024 | $347.8M | $393.6M | 33.38% | 10.54% | 1.10% |
| Q3 2024 | $363.7M | $419.3M | 32.57% | 10.13% | 1.05% |
| Q4 2024 | $366.4M | $416.8M | 32.04% | 10.39% | 1.05% |
| Q1 2025 | $361.7M | $428.8M | 33.78% | 11.03% | 1.03% |
| Q2 2025 | $364.0M | $427.7M | 35.71% | 10.53% | 0.97% |
| Q3 2025 | $373.8M | $421.5M | 37.67% | 10.01% | 1.03% |
| Q4 2025 | $367.2M | $438.1M | 35.39% | 9.33% | 1.14% |
| Q1 2026 | $371.6M | $454.7M | 36.76% | 9.49% | 1.04% |
| Q2 2026 | $395.0M | $460.5M | 35.95% | 8.34% | 1.01% |
Armor Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Armor 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 Armor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28812) · FFIEC NIC profile (RSSD 168571)