Bank of Bearden: 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 dropped 3.52 percentage points in Q2 2026, from 54.65% to 51.13%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Bearden is 3rd from the bottom among 78 Arkansas banks, 51.13% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Bank of Bearden sits 16.50 points lower, at 51.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $31.1M |
| Net loans and leases | $30.7M |
| Loans held for sale | $0 |
| Loans to total assets | 46.09% |
| Loan-to-deposit ratio | 51.13% |
| Net loans to equity capital | 4.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.01% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.92% |
| Consumer | 8.66% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.59% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.68% |
| Interest income on loans | $431K |
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 | $29.8M | $63.0M | 54.70% | 12.88% | 8.90% |
| Q4 2023 | $28.3M | $55.9M | 53.20% | 13.41% | 9.19% |
| Q1 2024 | $27.8M | $61.2M | 51.02% | 13.38% | 9.77% |
| Q2 2024 | $28.0M | $63.0M | 50.71% | 15.44% | 9.38% |
| Q3 2024 | $28.3M | $53.8M | 50.64% | 14.86% | 9.42% |
| Q4 2024 | $29.5M | $49.6M | 51.53% | 17.17% | 9.11% |
| Q1 2025 | $30.3M | $52.8M | 49.43% | 16.19% | 11.78% |
| Q2 2025 | $30.3M | $55.5M | 49.16% | 16.45% | 11.26% |
| Q3 2025 | $30.4M | $48.0M | 50.48% | 15.69% | 10.95% |
| Q4 2025 | $30.8M | $52.6M | 45.22% | 15.35% | 12.87% |
| Q1 2026 | $30.4M | $55.7M | 50.10% | 15.78% | 8.34% |
| Q2 2026 | $31.1M | $60.8M | 49.01% | 14.92% | 8.66% |
Bank of Bearden loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bearden, 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 Bearden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16282) · FFIEC NIC profile (RSSD 311144)