First National Bank of Commerce: 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 Loan-to-deposit ratio: 5.60 percentage points higher than in Q1 2026, at 58.73%. First National Bank of Commerce has the 8th lowest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, at 58.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Commerce sits 22.11 points lower, at 58.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $157.8M |
| Net loans and leases | $156.4M |
| Loans held for sale | $0 |
| Loans to total assets | 53.21% |
| Loan-to-deposit ratio | 58.73% |
| Net loans to equity capital | 5.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.80% |
| Multifamily (5+ residential) | 0.69% |
| Commercial and industrial | 10.70% |
| Consumer | 2.63% |
| Credit cards | 0.82% |
| Farm | 18.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.10% |
| Construction concentration (Tier 1 capital + allowance) | 27.26% |
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 | 7.10% |
| Interest income on loans | $2.7M |
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 | $125.3M | $246.1M | 11.26% | 11.78% | 3.60% |
| Q4 2023 | $126.5M | $261.0M | 10.99% | 12.19% | 3.44% |
| Q1 2024 | $124.1M | $268.3M | 11.39% | 13.50% | 3.63% |
| Q2 2024 | $127.3M | $265.1M | 12.26% | 12.17% | 3.32% |
| Q3 2024 | $129.0M | $264.3M | 12.60% | 12.44% | 3.14% |
| Q4 2024 | $125.6M | $265.0M | 9.70% | 13.81% | 3.20% |
| Q1 2025 | $125.9M | $264.4M | 10.94% | 14.31% | 3.18% |
| Q2 2025 | $127.0M | $263.0M | 11.35% | 12.66% | 3.13% |
| Q3 2025 | $136.4M | $266.0M | 12.02% | 12.42% | 2.95% |
| Q4 2025 | $142.5M | $270.0M | 13.23% | 12.58% | 2.75% |
| Q1 2026 | $149.7M | $281.8M | 13.14% | 12.48% | 2.72% |
| Q2 2026 | $157.8M | $268.8M | 12.80% | 10.70% | 2.63% |
First National Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Commerce, 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 Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3896) · FFIEC NIC profile (RSSD 799948)