Bank of Little Rock: 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 38.64 percentage points in Q2 2026, from 157.72% to 196.36%. It was the largest change from Q1 2026 among the key lines here. Bank of Little Rock has the 7th lowest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, at 56.47% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Little Rock sits 24.37 points lower, at 56.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $130.7M |
| Net loans and leases | $128.5M |
| Loans held for sale | $7.1M |
| Loans to total assets | 51.70% |
| Loan-to-deposit ratio | 56.47% |
| Net loans to equity capital | 6.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.40% |
| Multifamily (5+ residential) | 2.57% |
| Commercial and industrial | 23.57% |
| Consumer | 3.77% |
| 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) | 196.36% |
| Construction concentration (Tier 1 capital + allowance) | 149.33% |
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 | 7.13% |
| Interest income on loans | $2.3M |
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 | $116.5M | $259.8M | 14.49% | 26.18% | 3.32% |
| Q4 2023 | $118.3M | $260.7M | 13.00% | 27.19% | 3.21% |
| Q1 2024 | $123.7M | $257.6M | 14.82% | 29.12% | 3.51% |
| Q2 2024 | $124.8M | $249.2M | 14.82% | 28.71% | 4.08% |
| Q3 2024 | $134.9M | $248.2M | 14.38% | 29.88% | 3.88% |
| Q4 2024 | $139.3M | $268.3M | 13.47% | 30.38% | 3.85% |
| Q1 2025 | $141.1M | $281.7M | 13.00% | 30.10% | 3.72% |
| Q2 2025 | $140.4M | $259.6M | 14.37% | 26.76% | 3.74% |
| Q3 2025 | $130.2M | $247.3M | 12.26% | 27.02% | 4.16% |
| Q4 2025 | $131.0M | $244.5M | 13.47% | 28.27% | 4.07% |
| Q1 2026 | $129.1M | $241.5M | 13.33% | 27.18% | 3.84% |
| Q2 2026 | $130.7M | $231.5M | 13.40% | 23.57% | 3.77% |
Bank of Little Rock loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Little Rock, 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 Little Rock profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 91280) · FFIEC NIC profile (RSSD 1397471)