First National Bank of Clarksdale: 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): 5.80 percentage points lower than in Q1 2026, at 151.40%. Within Mississippi, First National Bank of Clarksdale is 32nd of 57 on loan-to-deposit ratio, 72.85% as of Q2 2026, below the middle of the field. First National Bank of Clarksdale reported 72.85% on loan-to-deposit ratio for Q2 2026, 7.99 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.2M |
| Net loans and leases | $246.6M |
| Loans held for sale | $0 |
| Loans to total assets | 64.53% |
| Loan-to-deposit ratio | 72.85% |
| Net loans to equity capital | 6.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.18% |
| Multifamily (5+ residential) | 2.20% |
| Commercial and industrial | 9.18% |
| Consumer | 2.75% |
| Credit cards | 0.00% |
| Farm | 9.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.40% |
| Construction concentration (Tier 1 capital + allowance) | 89.00% |
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 | $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 | $242.2M | $327.0M | 15.69% | 11.62% | 3.60% |
| Q4 2023 | $237.7M | $338.7M | 16.08% | 13.67% | 3.40% |
| Q1 2024 | $230.9M | $345.8M | 16.66% | 14.05% | 3.55% |
| Q2 2024 | $237.3M | $334.3M | 15.90% | 12.26% | 3.56% |
| Q3 2024 | $244.1M | $331.0M | 14.57% | 11.45% | 3.51% |
| Q4 2024 | $232.3M | $337.8M | 15.33% | 11.87% | 3.41% |
| Q1 2025 | $211.9M | $359.0M | 17.28% | 12.43% | 3.85% |
| Q2 2025 | $226.6M | $339.8M | 19.63% | 10.94% | 3.50% |
| Q3 2025 | $240.3M | $329.8M | 18.95% | 10.83% | 3.22% |
| Q4 2025 | $248.9M | $351.0M | 18.07% | 11.69% | 3.01% |
| Q1 2026 | $244.1M | $350.0M | 18.62% | 12.51% | 2.82% |
| Q2 2026 | $249.2M | $342.0M | 17.18% | 9.18% | 2.75% |
First National Bank of Clarksdale loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Clarksdale, 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 National Bank of Clarksdale profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19070) · FFIEC NIC profile (RSSD 11640)