Arthur State 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.
Loan-to-deposit ratio climbed 2.71 percentage points in Q2 2026, from 87.52% to 90.23%. It was the largest change from Q1 2026 among the key lines here. Arthur State Bank ranks 11th of 44 South Carolina banks on loan-to-deposit ratio, in the upper half at 90.23% (Q2 2026). Arthur State Bank reported 90.23% on loan-to-deposit ratio for Q2 2026, 9.68 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $619.1M |
| Net loans and leases | $612.6M |
| Loans held for sale | $0 |
| Loans to total assets | 74.42% |
| Loan-to-deposit ratio | 90.23% |
| Net loans to equity capital | 10.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.81% |
| Multifamily (5+ residential) | 1.15% |
| Commercial and industrial | 4.23% |
| Consumer | 0.91% |
| Credit cards | 0.27% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.76% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.82% |
| Construction concentration (Tier 1 capital + allowance) | 88.06% |
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 | 6.08% |
| Interest income on loans | $9.3M |
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 | $515.4M | $635.5M | 24.19% | 11.46% | 1.57% |
| Q4 2023 | $517.0M | $661.1M | 23.49% | 11.02% | 1.53% |
| Q1 2024 | $521.5M | $689.7M | 23.18% | 10.77% | 1.58% |
| Q2 2024 | $529.0M | $664.1M | 29.25% | 4.12% | 1.37% |
| Q3 2024 | $539.1M | $684.5M | 28.24% | 4.15% | 1.35% |
| Q4 2024 | $549.2M | $683.0M | 27.51% | 4.47% | 1.22% |
| Q1 2025 | $568.9M | $682.6M | 27.15% | 3.77% | 1.18% |
| Q2 2025 | $583.8M | $679.5M | 27.37% | 3.90% | 1.01% |
| Q3 2025 | $599.9M | $685.3M | 26.84% | 3.75% | 1.02% |
| Q4 2025 | $598.0M | $666.7M | 26.00% | 3.67% | 1.01% |
| Q1 2026 | $606.1M | $692.5M | 25.22% | 4.32% | 0.96% |
| Q2 2026 | $619.1M | $686.1M | 24.81% | 4.23% | 0.91% |
Arthur State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Arthur State 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 Arthur State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15085) · FFIEC NIC profile (RSSD 591320)