Community State 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.
Construction concentration (tier 1 capital + allowance) dropped 44.74 percentage points in Q2 2026, from 143.59% to 98.85%. It was the largest change from Q1 2026 among the key lines here. Among 78 Arkansas banks, Community State Bank sits 7th from the top on loan-to-deposit ratio, 103.29% as of Q2 2026. Community State Bank's loan-to-deposit ratio of 103.29% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 35.67 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.8M |
| Net loans and leases | $78.1M |
| Loans held for sale | $0 |
| Loans to total assets | 87.78% |
| Loan-to-deposit ratio | 103.29% |
| Net loans to equity capital | 8.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.11% |
| Multifamily (5+ residential) | 3.61% |
| Commercial and industrial | 27.96% |
| Consumer | 2.90% |
| Credit cards | 0.00% |
| Farm | 3.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 225.21% |
| Construction concentration (Tier 1 capital + allowance) | 98.85% |
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 | 7.59% |
| 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 | $29.0M | $31.2M | 10.69% | 42.35% | 6.65% |
| Q4 2023 | $31.6M | $33.0M | 11.55% | 41.58% | 6.41% |
| Q1 2024 | $36.1M | $34.9M | 13.22% | 36.26% | 5.33% |
| Q2 2024 | $38.1M | $41.6M | 12.23% | 38.45% | 5.99% |
| Q3 2024 | $43.7M | $46.9M | 17.16% | 39.46% | 5.28% |
| Q4 2024 | $50.8M | $52.2M | 18.12% | 38.14% | 4.20% |
| Q1 2025 | $57.9M | $59.7M | 17.18% | 39.84% | 3.45% |
| Q2 2025 | $65.4M | $64.6M | 22.45% | 35.61% | 3.45% |
| Q3 2025 | $67.0M | $69.6M | 26.98% | 33.29% | 3.44% |
| Q4 2025 | $72.5M | $71.9M | 29.22% | 30.64% | 3.19% |
| Q1 2026 | $77.0M | $79.3M | 28.16% | 28.60% | 2.88% |
| Q2 2026 | $78.8M | $76.3M | 31.11% | 27.96% | 2.90% |
Community State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5619) · FFIEC NIC profile (RSSD 378044)