Artisans' 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): 4.72 percentage points lower than in Q1 2026, at 79.93%. Artisans' Bank ranks 5th of 16 Delaware banks on loan-to-deposit ratio, in the upper half at 81.95% (Q2 2026). At 81.95%, Artisans' Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $526.9M |
| Net loans and leases | $521.6M |
| Loans held for sale | $663K |
| Loans to total assets | 73.37% |
| Loan-to-deposit ratio | 81.95% |
| Net loans to equity capital | 7.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.14% |
| Multifamily (5+ residential) | 4.45% |
| Commercial and industrial | 6.44% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 309.46% |
| Construction concentration (Tier 1 capital + allowance) | 79.93% |
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 | 6.01% |
| Interest income on loans | $7.8M |
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 | $485.9M | $601.9M | 45.15% | 7.02% | 0.12% |
| Q4 2023 | $483.5M | $604.0M | 45.39% | 7.23% | 0.12% |
| Q1 2024 | $490.3M | $614.4M | 45.49% | 7.36% | 0.11% |
| Q2 2024 | $499.4M | $613.6M | 45.23% | 7.39% | 0.09% |
| Q3 2024 | $499.4M | $600.6M | 44.91% | 7.62% | 0.09% |
| Q4 2024 | $507.6M | $616.5M | 43.75% | 7.48% | 0.10% |
| Q1 2025 | $499.0M | $625.6M | 44.01% | 7.28% | 0.09% |
| Q2 2025 | $509.7M | $624.9M | 42.96% | 6.58% | 0.08% |
| Q3 2025 | $508.4M | $643.3M | 44.30% | 5.96% | 0.08% |
| Q4 2025 | $515.1M | $640.0M | 43.82% | 6.25% | 0.08% |
| Q1 2026 | $516.0M | $645.0M | 44.29% | 5.93% | 0.07% |
| Q2 2026 | $526.9M | $643.0M | 45.14% | 6.44% | 0.07% |
Artisans' Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Artisans' 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 Artisans' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17123) · FFIEC NIC profile (RSSD 73116)