Bank of Salem: 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 climbed 2.49 percentage points in Q2 2026, from 85.48% to 87.97%. It was the largest change from Q1 2026 among the key lines here. Bank of Salem ranks 35th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 87.97% (Q2 2026). Bank of Salem reported 87.97% on loan-to-deposit ratio for Q2 2026, 7.13 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $200.3M |
| Net loans and leases | $196.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.58% |
| Loan-to-deposit ratio | 87.97% |
| Net loans to equity capital | 6.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.51% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.92% |
| Consumer | 5.50% |
| Credit cards | 0.00% |
| Farm | 14.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.28% |
| Construction concentration (Tier 1 capital + allowance) | 36.21% |
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 | 8.02% |
| Interest income on loans | $4.0M |
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 | $129.3M | $159.0M | 12.04% | 14.44% | 8.40% |
| Q4 2023 | $133.1M | $160.5M | 11.61% | 14.05% | 8.04% |
| Q1 2024 | $133.7M | $162.2M | 11.70% | 13.56% | 7.77% |
| Q2 2024 | $137.9M | $164.1M | 11.43% | 14.52% | 7.43% |
| Q3 2024 | $194.6M | $217.8M | 9.49% | 10.27% | 6.84% |
| Q4 2024 | $196.6M | $216.4M | 9.20% | 10.08% | 6.62% |
| Q1 2025 | $198.9M | $219.3M | 9.00% | 9.55% | 6.31% |
| Q2 2025 | $198.9M | $220.2M | 8.92% | 9.22% | 6.10% |
| Q3 2025 | $201.5M | $223.7M | 8.25% | 9.25% | 5.98% |
| Q4 2025 | $203.3M | $230.5M | 8.16% | 9.02% | 5.79% |
| Q1 2026 | $199.7M | $233.6M | 8.54% | 9.21% | 5.65% |
| Q2 2026 | $200.3M | $227.6M | 8.51% | 8.92% | 5.50% |
Bank of Salem loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Salem, 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 Salem profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11243) · FFIEC NIC profile (RSSD 931047)