Arvest 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.
Cre concentration (tier 1 capital + allowance) climbed 3.58 percentage points in Q2 2026, from 210.16% to 213.74%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Arvest Bank is 48th of 78 on loan-to-deposit ratio, 83.21% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Arvest Bank sits 3.62 points lower, at 83.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.47B |
| Net loans and leases | $20.25B |
| Loans held for sale | $145.1M |
| Loans to total assets | 72.96% |
| Loan-to-deposit ratio | 83.21% |
| Net loans to equity capital | 8.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.03% |
| Multifamily (5+ residential) | 3.68% |
| Commercial and industrial | 15.14% |
| Consumer | 10.18% |
| Credit cards | 0.92% |
| Farm | 3.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 213.74% |
| Construction concentration (Tier 1 capital + allowance) | 71.95% |
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 | 6.11% |
| Interest income on loans | $307.6M |
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 | $17.16B | $21.25B | 21.29% | 17.89% | 12.55% |
| Q4 2023 | $17.41B | $21.77B | 21.00% | 17.25% | 13.03% |
| Q1 2024 | $17.09B | $23.10B | 22.03% | 17.39% | 13.04% |
| Q2 2024 | $17.59B | $22.98B | 22.66% | 16.85% | 12.58% |
| Q3 2024 | $17.99B | $23.24B | 22.61% | 16.55% | 12.15% |
| Q4 2024 | $18.29B | $23.71B | 23.24% | 15.53% | 11.83% |
| Q1 2025 | $18.62B | $23.98B | 23.18% | 15.28% | 11.66% |
| Q2 2025 | $19.12B | $24.14B | 22.40% | 15.56% | 11.34% |
| Q3 2025 | $19.47B | $24.03B | 22.28% | 15.33% | 11.02% |
| Q4 2025 | $19.77B | $24.33B | 22.89% | 14.58% | 10.69% |
| Q1 2026 | $19.84B | $24.65B | 23.03% | 15.18% | 10.35% |
| Q2 2026 | $20.47B | $24.60B | 23.03% | 15.14% | 10.18% |
Arvest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Arvest 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 Arvest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8728) · FFIEC NIC profile (RSSD 311845)