Chambers Bank: 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.
Loans held for sale climbed 90.2% in Q2 2026, from $1.9M to $3.7M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Chambers Bank is 36th of 78 on loan-to-deposit ratio, 87.63% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Chambers Bank reported 87.63% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.16B |
| Net loans and leases | $1.15B |
| Loans held for sale | $3.7M |
| Loans to total assets | 73.14% |
| Loan-to-deposit ratio | 87.63% |
| Net loans to equity capital | 5.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.03% |
| Multifamily (5+ residential) | 2.97% |
| Commercial and industrial | 15.92% |
| Consumer | 0.82% |
| Credit cards | 0.00% |
| Farm | 3.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 310.48% |
| Construction concentration (Tier 1 capital + allowance) | 117.84% |
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 | 7.26% |
| Interest income on loans | $20.7M |
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 | $994.6M | $1.04B | 44.00% | 9.06% | 0.78% |
| Q4 2023 | $1.02B | $1.07B | 42.89% | 9.18% | 0.82% |
| Q1 2024 | $1.03B | $1.08B | 43.81% | 9.18% | 0.82% |
| Q2 2024 | $1.03B | $1.09B | 43.26% | 9.94% | 0.82% |
| Q3 2024 | $1.04B | $1.15B | 44.01% | 10.54% | 0.87% |
| Q4 2024 | $1.04B | $1.17B | 45.90% | 10.62% | 0.83% |
| Q1 2025 | $1.04B | $1.18B | 46.10% | 10.84% | 0.83% |
| Q2 2025 | $1.07B | $1.16B | 42.31% | 12.13% | 0.81% |
| Q3 2025 | $1.11B | $1.22B | 40.79% | 14.61% | 0.86% |
| Q4 2025 | $1.13B | $1.26B | 40.21% | 15.68% | 0.84% |
| Q1 2026 | $1.11B | $1.31B | 38.15% | 15.99% | 0.83% |
| Q2 2026 | $1.16B | $1.33B | 38.03% | 15.92% | 0.82% |
Chambers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Chambers Bank, 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 Chambers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5615) · FFIEC NIC profile (RSSD 517049)