Commercial Bank & Trust Company: 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) dropped 2.93 percentage points in Q2 2026, from 114.19% to 111.26%. It was the largest change from Q1 2026 among the key lines here. Commercial Bank & Trust Company ranks 58th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 74.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Commercial Bank & Trust Company sits 6.60 points lower, at 74.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.4M |
| Net loans and leases | $245.8M |
| Loans held for sale | $0 |
| Loans to total assets | 68.51% |
| Loan-to-deposit ratio | 74.23% |
| Net loans to equity capital | 9.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.54% |
| Multifamily (5+ residential) | 3.23% |
| Commercial and industrial | 25.13% |
| Consumer | 10.84% |
| Credit cards | 0.00% |
| Farm | 6.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 111.26% |
| Construction concentration (Tier 1 capital + allowance) | 43.10% |
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 | 6.82% |
| Interest income on loans | $4.2M |
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 | $154.3M | $230.5M | 23.73% | 24.83% | 11.42% |
| Q4 2023 | $156.8M | $229.3M | 23.75% | 24.74% | 10.92% |
| Q1 2024 | $156.5M | $232.3M | 23.79% | 24.20% | 10.57% |
| Q2 2024 | $219.2M | $337.7M | 26.18% | 26.64% | 10.00% |
| Q3 2024 | $219.3M | $335.4M | 27.39% | 26.07% | 10.18% |
| Q4 2024 | $224.8M | $338.7M | 26.23% | 25.65% | 10.94% |
| Q1 2025 | $236.6M | $342.8M | 25.52% | 26.90% | 10.85% |
| Q2 2025 | $239.9M | $336.0M | 25.82% | 26.39% | 10.86% |
| Q3 2025 | $239.0M | $333.5M | 23.63% | 26.81% | 11.71% |
| Q4 2025 | $249.8M | $339.1M | 22.40% | 26.19% | 11.45% |
| Q1 2026 | $252.1M | $344.7M | 22.38% | 25.36% | 11.14% |
| Q2 2026 | $249.4M | $336.0M | 22.54% | 25.13% | 10.84% |
Commercial Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust Company, 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 Commercial Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90) · FFIEC NIC profile (RSSD 23643)