FBT Bank & Mortgage: 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 CRE concentration (Tier 1 capital + allowance): 11.35 percentage points lower than in Q1 2026, at 77.71%. FBT Bank & Mortgage ranks 63rd of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 71.20% (Q2 2026). FBT Bank & Mortgage reported 71.20% on loan-to-deposit ratio for Q2 2026, 9.64 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $158.2M |
| Net loans and leases | $156.0M |
| Loans held for sale | $0 |
| Loans to total assets | 60.01% |
| Loan-to-deposit ratio | 71.20% |
| Net loans to equity capital | 8.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.83% |
| Multifamily (5+ residential) | 1.32% |
| Commercial and industrial | 19.80% |
| Consumer | 7.04% |
| Credit cards | 0.00% |
| Farm | 5.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 77.71% |
| Construction concentration (Tier 1 capital + allowance) | 49.58% |
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 | 7.64% |
| Interest income on loans | $3.0M |
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 | $130.3M | $214.9M | 11.97% | 26.77% | 9.45% |
| Q4 2023 | $136.2M | $211.6M | 13.03% | 27.92% | 8.98% |
| Q1 2024 | $141.5M | $218.9M | 14.03% | 26.76% | 8.76% |
| Q2 2024 | $141.4M | $221.2M | 13.76% | 26.69% | 8.71% |
| Q3 2024 | $145.0M | $221.9M | 14.02% | 26.36% | 8.58% |
| Q4 2024 | $149.2M | $222.4M | 15.67% | 27.40% | 8.24% |
| Q1 2025 | $149.9M | $227.3M | 15.93% | 27.79% | 7.95% |
| Q2 2025 | $149.8M | $223.3M | 15.92% | 27.36% | 8.02% |
| Q3 2025 | $148.7M | $217.4M | 17.32% | 21.90% | 7.57% |
| Q4 2025 | $152.9M | $217.7M | 17.31% | 21.75% | 7.59% |
| Q1 2026 | $156.0M | $210.4M | 20.08% | 22.12% | 7.72% |
| Q2 2026 | $158.2M | $222.1M | 23.83% | 19.80% | 7.04% |
FBT Bank & Mortgage loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FBT Bank & Mortgage, 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 FBT Bank & Mortgage profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1028) · FFIEC NIC profile (RSSD 314444)