Eagle Bank and 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.
Construction concentration (tier 1 capital + allowance) climbed 4.12 percentage points in Q2 2026, from 60.01% to 64.13%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Eagle Bank and Trust Company is 5th from the bottom among 78 Arkansas banks, 52.24% (Q2 2026). Eagle Bank and Trust Company reported 52.24% on loan-to-deposit ratio for Q2 2026, 28.71 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.2M |
| Net loans and leases | $223.4M |
| Loans held for sale | $28.1M |
| Loans to total assets | 44.73% |
| Loan-to-deposit ratio | 52.24% |
| Net loans to equity capital | 3.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.62% |
| Multifamily (5+ residential) | 1.56% |
| Commercial and industrial | 7.94% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.36% |
| Construction concentration (Tier 1 capital + allowance) | 64.13% |
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 | 7.54% |
| 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 | $165.7M | $396.3M | 27.65% | 2.32% | 1.08% |
| Q4 2023 | $166.8M | $410.0M | 27.37% | 2.62% | 1.09% |
| Q1 2024 | $185.1M | $414.2M | 27.34% | 2.98% | 1.00% |
| Q2 2024 | $192.6M | $420.4M | 26.28% | 3.67% | 0.93% |
| Q3 2024 | $193.7M | $412.4M | 29.73% | 3.76% | 0.94% |
| Q4 2024 | $192.2M | $418.7M | 28.40% | 3.80% | 0.99% |
| Q1 2025 | $193.2M | $421.6M | 27.21% | 4.03% | 1.07% |
| Q2 2025 | $201.8M | $414.9M | 26.46% | 3.95% | 1.00% |
| Q3 2025 | $209.7M | $409.8M | 26.26% | 4.14% | 0.91% |
| Q4 2025 | $212.7M | $427.4M | 28.93% | 6.01% | 0.93% |
| Q1 2026 | $221.2M | $427.8M | 27.87% | 6.00% | 0.81% |
| Q2 2026 | $226.2M | $433.0M | 27.62% | 7.94% | 0.84% |
Eagle Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eagle Bank and 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 Eagle Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3873) · FFIEC NIC profile (RSSD 453446)