First National Bank of Eastern Arkansas: 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.
Construction concentration (tier 1 capital + allowance) dropped 43.30 percentage points in Q2 2026, from 96.26% to 52.95%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Eastern Arkansas ranks 61st of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 72.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Eastern Arkansas sits 8.62 points lower, at 72.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $376.3M |
| Net loans and leases | $370.7M |
| Loans held for sale | $0 |
| Loans to total assets | 63.83% |
| Loan-to-deposit ratio | 72.32% |
| Net loans to equity capital | 5.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.11% |
| Multifamily (5+ residential) | 3.18% |
| Commercial and industrial | 15.71% |
| Consumer | 3.41% |
| Credit cards | 0.27% |
| Farm | 4.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.52% |
| Construction concentration (Tier 1 capital + allowance) | 52.95% |
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 | 6.69% |
| Interest income on loans | $6.1M |
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 | $313.7M | $486.0M | 25.23% | 13.26% | 4.19% |
| Q4 2023 | $285.7M | $500.9M | 27.24% | 14.86% | 4.76% |
| Q1 2024 | $297.6M | $495.3M | 26.74% | 14.93% | 4.17% |
| Q2 2024 | $325.4M | $487.5M | 24.58% | 14.00% | 3.99% |
| Q3 2024 | $344.4M | $488.1M | 24.46% | 12.53% | 3.91% |
| Q4 2024 | $324.2M | $500.1M | 26.59% | 14.32% | 4.14% |
| Q1 2025 | $342.2M | $501.8M | 25.97% | 15.47% | 3.64% |
| Q2 2025 | $358.9M | $502.3M | 24.50% | 15.12% | 3.81% |
| Q3 2025 | $378.5M | $516.0M | 24.23% | 15.55% | 3.35% |
| Q4 2025 | $362.1M | $523.7M | 25.03% | 16.87% | 3.46% |
| Q1 2026 | $364.8M | $542.8M | 24.50% | 17.21% | 3.42% |
| Q2 2026 | $376.3M | $520.3M | 31.11% | 15.71% | 3.41% |
First National Bank of Eastern Arkansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Eastern Arkansas, 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 Eastern Arkansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3863) · FFIEC NIC profile (RSSD 251745)