Fidelity 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.
CRE concentration (Tier 1 capital + allowance) dropped 8.30 percentage points in Q2 2026, from 167.51% to 159.21%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Fidelity Bank is 4th from the bottom among 78 Arkansas banks, 51.79% (Q2 2026). Fidelity Bank reported 51.79% on loan-to-deposit ratio for Q2 2026, 28.76 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $257.0M |
| Net loans and leases | $253.5M |
| Loans held for sale | $0 |
| Loans to total assets | 47.00% |
| Loan-to-deposit ratio | 51.79% |
| Net loans to equity capital | 5.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.54% |
| Multifamily (5+ residential) | 2.06% |
| Commercial and industrial | 8.77% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 9.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.21% |
| Construction concentration (Tier 1 capital + allowance) | 23.48% |
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 | 6.36% |
| Interest income on loans | $4.1M |
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 | $272.1M | $489.0M | 43.06% | 8.17% | 1.31% |
| Q4 2023 | $257.2M | $510.3M | 44.33% | 8.70% | 1.40% |
| Q1 2024 | $250.9M | $510.5M | 44.98% | 8.73% | 1.52% |
| Q2 2024 | $257.6M | $510.5M | 43.05% | 7.86% | 1.46% |
| Q3 2024 | $266.1M | $503.3M | 42.18% | 8.62% | 1.51% |
| Q4 2024 | $249.8M | $510.7M | 46.29% | 8.44% | 1.51% |
| Q1 2025 | $265.7M | $510.0M | 47.97% | 7.76% | 1.28% |
| Q2 2025 | $264.7M | $514.5M | 47.99% | 7.54% | 1.25% |
| Q3 2025 | $263.2M | $487.2M | 48.73% | 6.49% | 1.26% |
| Q4 2025 | $267.8M | $495.5M | 51.47% | 7.83% | 1.26% |
| Q1 2026 | $264.2M | $511.9M | 51.85% | 8.20% | 1.13% |
| Q2 2026 | $257.0M | $496.2M | 50.54% | 8.77% | 1.23% |
Fidelity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity 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 Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19644) · FFIEC NIC profile (RSSD 848248)