First Arkansas Bank and Trust: 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 4.38 percentage points in Q2 2026, from 161.36% to 156.98%. It was the largest change from Q1 2026 among the key lines here. First Arkansas Bank and Trust ranks 52nd of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 80.83% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Arkansas Bank and Trust sits 7.37 points lower, at 80.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $796.9M |
| Net loans and leases | $788.0M |
| Loans held for sale | $0 |
| Loans to total assets | 69.86% |
| Loan-to-deposit ratio | 80.83% |
| Net loans to equity capital | 7.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.13% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 28.80% |
| Consumer | 8.85% |
| Credit cards | 3.69% |
| Farm | 0.41% |
| Loans to depository institutions | 0.06% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 156.98% |
| Construction concentration (Tier 1 capital + allowance) | 89.47% |
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 | — |
| Interest income on loans | $13.0M |
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 | $692.7M | $797.7M | 23.88% | 27.98% | 11.62% |
| Q4 2023 | $706.6M | $861.3M | 23.58% | 25.86% | 12.15% |
| Q1 2024 | $786.3M | $898.3M | 22.59% | 31.37% | 10.17% |
| Q2 2024 | $803.4M | $934.7M | 24.99% | 30.62% | 8.48% |
| Q3 2024 | $804.9M | $951.0M | 24.84% | 30.96% | 8.20% |
| Q4 2024 | $775.0M | $979.8M | 26.03% | 29.64% | 9.12% |
| Q1 2025 | $771.2M | $946.6M | 25.33% | 29.54% | 8.72% |
| Q2 2025 | $751.4M | $967.5M | 26.33% | 28.78% | 8.30% |
| Q3 2025 | $751.2M | $967.9M | 26.06% | 28.87% | 8.37% |
| Q4 2025 | $770.9M | $1.03B | 26.19% | 28.23% | 9.64% |
| Q1 2026 | $808.8M | $998.4M | 25.92% | 28.97% | 10.19% |
| Q2 2026 | $796.9M | $985.8M | 27.13% | 28.80% | 8.85% |
First Arkansas Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Arkansas Bank and Trust, 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 First Arkansas Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16849) · FFIEC NIC profile (RSSD 466240)