Arrow Bank N.A.: 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.
Loan-to-deposit ratio climbed 9.46 percentage points in Q2 2026, from 85.66% to 95.12%. It was the largest change from Q1 2026 among the key lines here. Within New York, Arrow Bank N.A. is 25th of 105 on loan-to-deposit ratio, 95.12% as of Q2 2026, above the middle of the field. Arrow Bank N.A. reported 95.12% on loan-to-deposit ratio for Q2 2026, 6.92 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.50B |
| Net loans and leases | $3.46B |
| Loans held for sale | $777K |
| Loans to total assets | 78.45% |
| Loan-to-deposit ratio | 95.12% |
| Net loans to equity capital | 8.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.74% |
| Multifamily (5+ residential) | 5.11% |
| Commercial and industrial | 4.03% |
| Consumer | 30.98% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.80% |
| Construction concentration (Tier 1 capital + allowance) | 16.06% |
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 | 5.45% |
| Interest income on loans | $47.2M |
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 | $2.35B | $2.89B | 15.91% | 3.16% | 36.99% |
| Q4 2023 | $2.37B | $2.94B | 15.89% | 3.43% | 36.30% |
| Q1 2024 | $2.38B | $3.04B | 15.84% | 3.44% | 36.37% |
| Q2 2024 | $2.39B | $2.94B | 15.31% | 3.43% | 36.23% |
| Q3 2024 | $2.37B | $3.12B | 15.48% | 3.48% | 35.46% |
| Q4 2024 | $3.39B | $3.83B | 16.85% | 3.69% | 32.96% |
| Q1 2025 | $3.42B | $3.97B | 16.55% | 3.60% | 32.74% |
| Q2 2025 | $3.42B | $3.93B | 16.49% | 3.81% | 32.39% |
| Q3 2025 | $3.44B | $4.10B | 17.44% | 4.01% | 31.65% |
| Q4 2025 | $3.45B | $3.94B | 17.76% | 3.86% | 31.16% |
| Q1 2026 | $3.44B | $4.01B | 17.54% | 4.01% | 31.16% |
| Q2 2026 | $3.50B | $3.68B | 17.74% | 4.03% | 30.98% |
Arrow Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Arrow Bank N.A., 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 Arrow Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7074) · FFIEC NIC profile (RSSD 866000)