Connect 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.70 percentage points higher than in Q1 2026, at 76.42%. Within Arkansas, Connect Bank is 57th of 78 on loan-to-deposit ratio, 76.42% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Connect Bank sits 4.14 points lower, at 76.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $81.9M |
| Net loans and leases | $80.0M |
| Loans held for sale | $0 |
| Loans to total assets | 66.11% |
| Loan-to-deposit ratio | 76.42% |
| Net loans to equity capital | 4.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.60% |
| Multifamily (5+ residential) | 2.45% |
| Commercial and industrial | 15.75% |
| Consumer | 2.77% |
| Credit cards | 0.00% |
| Farm | 1.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.95% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 95.65% |
| Construction concentration (Tier 1 capital + allowance) | 60.68% |
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 | 8.57% |
| Interest income on loans | $1.7M |
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 | $75.8M | $99.2M | 17.98% | 16.72% | 3.07% |
| Q4 2023 | $71.7M | $104.2M | 20.73% | 16.98% | 3.23% |
| Q1 2024 | $70.9M | $101.2M | 21.41% | 15.12% | 3.34% |
| Q2 2024 | $75.1M | $104.3M | 20.23% | 14.89% | 3.23% |
| Q3 2024 | $76.1M | $103.6M | 18.68% | 15.29% | 3.17% |
| Q4 2024 | $74.8M | $104.4M | 18.74% | 15.60% | 2.98% |
| Q1 2025 | $76.2M | $104.8M | 17.79% | 16.37% | 2.90% |
| Q2 2025 | $79.2M | $107.5M | 16.86% | 15.45% | 2.89% |
| Q3 2025 | $78.0M | $106.3M | 16.96% | 16.30% | 3.16% |
| Q4 2025 | $80.1M | $108.1M | 21.44% | 16.12% | 2.91% |
| Q1 2026 | $79.2M | $112.0M | 21.91% | 16.34% | 2.94% |
| Q2 2026 | $81.9M | $107.2M | 21.60% | 15.75% | 2.77% |
Connect Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Connect 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 Connect Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5634) · FFIEC NIC profile (RSSD 126049)