Arrowhead 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): 6.53 percentage points lower than in Q1 2026, at 60.86%. Within Texas, Arrowhead Bank is 206th of 346 on loan-to-deposit ratio, 67.25% 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. Arrowhead Bank sits 13.59 points lower, at 67.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $174.8M |
| Net loans and leases | $173.0M |
| Loans held for sale | $0 |
| Loans to total assets | 59.18% |
| Loan-to-deposit ratio | 67.25% |
| Net loans to equity capital | 5.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.73% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.87% |
| Consumer | 5.16% |
| Credit cards | 0.00% |
| Farm | 4.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 60.86% |
| Construction concentration (Tier 1 capital + allowance) | 41.50% |
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 | 7.14% |
| Interest income on loans | $3.1M |
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 | $165.6M | $261.9M | 16.70% | 7.48% | 6.48% |
| Q4 2023 | $171.8M | $271.7M | 16.22% | 6.84% | 6.02% |
| Q1 2024 | $171.6M | $264.9M | 16.40% | 7.23% | 6.32% |
| Q2 2024 | $173.7M | $260.4M | 17.28% | 7.25% | 5.99% |
| Q3 2024 | $179.8M | $253.1M | 18.50% | 6.98% | 5.77% |
| Q4 2024 | $181.0M | $262.2M | 17.86% | 7.14% | 5.75% |
| Q1 2025 | $171.9M | $261.7M | 18.31% | 7.48% | 5.42% |
| Q2 2025 | $179.6M | $255.0M | 18.47% | 7.36% | 5.49% |
| Q3 2025 | $183.4M | $253.3M | 18.29% | 7.31% | 5.35% |
| Q4 2025 | $185.9M | $268.4M | 18.11% | 7.12% | 5.27% |
| Q1 2026 | $176.2M | $261.4M | 18.82% | 7.43% | 5.51% |
| Q2 2026 | $174.8M | $259.9M | 18.73% | 7.87% | 5.16% |
Arrowhead Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Arrowhead 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 Arrowhead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1198) · FFIEC NIC profile (RSSD 570558)