Bank of Cave City: 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 CRE concentration (Tier 1 capital + allowance): 12.29 percentage points higher than in Q1 2026, at 60.95%. Within Arkansas, Bank of Cave City is 56th of 78 on loan-to-deposit ratio, 76.68% as of Q2 2026, below the middle of the field. Bank of Cave City reported 76.68% on loan-to-deposit ratio for Q2 2026, 4.16 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $131.8M |
| Net loans and leases | $130.9M |
| Loans held for sale | $180K |
| Loans to total assets | 67.80% |
| Loan-to-deposit ratio | 76.68% |
| Net loans to equity capital | 11.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.87% |
| Multifamily (5+ residential) | 1.83% |
| Commercial and industrial | 6.06% |
| Consumer | 3.25% |
| Credit cards | 0.27% |
| Farm | 43.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 60.95% |
| Construction concentration (Tier 1 capital + allowance) | 29.78% |
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 | — |
| Interest income on loans | $2.4M |
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 | $125.6M | $144.0M | 6.85% | 6.11% | 3.77% |
| Q4 2023 | $124.3M | $149.8M | 7.19% | 6.48% | 3.65% |
| Q1 2024 | $123.3M | $153.5M | 7.03% | 6.09% | 3.56% |
| Q2 2024 | $125.5M | $157.0M | 7.62% | 6.48% | 3.72% |
| Q3 2024 | $128.2M | $155.1M | 9.44% | 6.61% | 3.72% |
| Q4 2024 | $131.7M | $162.1M | 9.51% | 6.22% | 4.05% |
| Q1 2025 | $132.6M | $165.7M | 9.42% | 6.35% | 3.89% |
| Q2 2025 | $128.8M | $168.9M | 9.45% | 6.59% | 3.98% |
| Q3 2025 | $128.3M | $169.8M | 10.17% | 6.70% | 3.77% |
| Q4 2025 | $124.1M | $167.1M | 11.18% | 6.72% | 3.70% |
| Q1 2026 | $125.2M | $167.3M | 11.50% | 6.61% | 3.59% |
| Q2 2026 | $131.8M | $171.9M | 11.87% | 6.06% | 3.25% |
Bank of Cave City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cave City, 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 Cave City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 105) · FFIEC NIC profile (RSSD 629148)