Bank of England: 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 Loan-to-deposit ratio: 1.81 percentage points higher than in Q1 2026, at 38.78%. On loan-to-deposit ratio, Bank of England is 1st from the bottom among 78 Arkansas banks, 38.78% (Q2 2026). Bank of England's loan-to-deposit ratio of 38.78% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 42.06 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.5M |
| Net loans and leases | $95.4M |
| Loans held for sale | $8.6M |
| Loans to total assets | 29.64% |
| Loan-to-deposit ratio | 38.78% |
| Net loans to equity capital | 1.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.90% |
| Multifamily (5+ residential) | 1.69% |
| Commercial and industrial | 9.36% |
| Consumer | 2.83% |
| Credit cards | 0.00% |
| Farm | 9.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.87% |
| Construction concentration (Tier 1 capital + allowance) | 1.37% |
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 | 6.27% |
| Interest income on loans | $1.5M |
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 | $237.9M | $319.4M | 9.27% | 5.59% | 1.61% |
| Q4 2023 | $223.1M | $305.3M | 9.72% | 6.13% | 1.75% |
| Q1 2024 | $218.2M | $311.3M | 9.84% | 6.70% | 1.75% |
| Q2 2024 | $200.3M | $294.0M | 10.46% | 6.43% | 1.80% |
| Q3 2024 | $160.0M | $301.1M | 13.01% | 6.43% | 2.21% |
| Q4 2024 | $113.5M | $282.4M | 16.63% | 8.05% | 2.96% |
| Q1 2025 | $110.8M | $258.8M | 18.38% | 8.47% | 2.78% |
| Q2 2025 | $104.6M | $254.9M | 26.31% | 8.76% | 2.90% |
| Q3 2025 | $107.8M | $257.1M | 25.00% | 7.08% | 2.96% |
| Q4 2025 | $99.8M | $249.5M | 26.57% | 7.49% | 2.81% |
| Q1 2026 | $92.6M | $250.6M | 24.89% | 9.13% | 3.29% |
| Q2 2026 | $98.5M | $254.1M | 23.90% | 9.36% | 2.83% |
Bank of England loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of England, 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 England profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13303) · FFIEC NIC profile (RSSD 244149)