Bank of 1889: 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 6.60 percentage points lower than in Q2 2026, at 65.19%. Bank of 1889 ranks 34th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 88.15% (Q3 2026). Bank of 1889 reported 88.15% on loan-to-deposit ratio for Q3 2026, 7.21 points above the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $269.9M |
| Net loans and leases | $266.8M |
| Loans held for sale | $0 |
| Loans to total assets | 77.43% |
| Loan-to-deposit ratio | 88.15% |
| Net loans to equity capital | 6.86% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.70% |
| Multifamily (5+ residential) | 0.79% |
| Commercial and industrial | 9.28% |
| Consumer | 7.81% |
| Credit cards | 0.00% |
| Farm | 14.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.19% |
| Construction concentration (Tier 1 capital + allowance) | 46.43% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.56% |
| Interest income on loans | $5.1M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $215.6M | $256.3M | 13.79% | 10.65% | 11.48% |
| Q1 2024 | $222.9M | $253.2M | 14.07% | 11.36% | 11.37% |
| Q2 2024 | $225.9M | $263.6M | 13.81% | 11.36% | 10.89% |
| Q3 2024 | $229.8M | $258.1M | 13.24% | 11.29% | 10.75% |
| Q4 2024 | $242.2M | $264.5M | 13.21% | 12.76% | 10.21% |
| Q1 2025 | $242.4M | $264.2M | 13.05% | 12.51% | 9.73% |
| Q2 2025 | $249.8M | $269.3M | 12.70% | 11.79% | 9.53% |
| Q3 2025 | $254.3M | $274.2M | 12.81% | 11.08% | 9.33% |
| Q4 2025 | $255.6M | $291.9M | 12.94% | 9.31% | 8.95% |
| Q1 2026 | $258.0M | $294.3M | 13.40% | 9.52% | 8.53% |
| Q2 2026 | $262.6M | $298.8M | 14.11% | 9.17% | 8.29% |
| Q3 2026 | $269.9M | $306.1M | 14.70% | 9.28% | 7.81% |
Bank of 1889 loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of 1889, 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 Bank of 1889 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3854) · FFIEC NIC profile (RSSD 864846)