The First National Bank of Fort Smith: 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 15.30 percentage points in Q2 2026, from 285.45% to 270.16%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, The First National Bank of Fort Smith is 53rd of 78 on loan-to-deposit ratio, 78.49% as of Q2 2026, below the middle of the field. The First National Bank of Fort Smith reported 78.49% on loan-to-deposit ratio for Q2 2026, 9.71 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.58B |
| Net loans and leases | $1.56B |
| Loans held for sale | $2.5M |
| Loans to total assets | 68.28% |
| Loan-to-deposit ratio | 78.49% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.04% |
| Multifamily (5+ residential) | 14.97% |
| Commercial and industrial | 10.80% |
| Consumer | 1.24% |
| Credit cards | 0.04% |
| Farm | 4.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.16% |
| Construction concentration (Tier 1 capital + allowance) | 90.28% |
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 | 6.65% |
| Interest income on loans | $26.0M |
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 | $1.40B | $1.80B | 33.47% | 9.47% | 1.52% |
| Q4 2023 | $1.45B | $1.81B | 32.77% | 8.88% | 1.45% |
| Q1 2024 | $1.46B | $1.85B | 32.41% | 9.62% | 1.39% |
| Q2 2024 | $1.50B | $1.85B | 32.20% | 9.80% | 1.27% |
| Q3 2024 | $1.52B | $1.85B | 32.25% | 8.72% | 1.26% |
| Q4 2024 | $1.52B | $1.88B | 30.42% | 8.59% | 1.19% |
| Q1 2025 | $1.54B | $1.91B | 29.63% | 9.34% | 1.16% |
| Q2 2025 | $1.58B | $1.97B | 28.60% | 10.00% | 1.10% |
| Q3 2025 | $1.56B | $1.93B | 28.33% | 9.46% | 1.11% |
| Q4 2025 | $1.59B | $1.97B | 28.61% | 9.82% | 1.16% |
| Q1 2026 | $1.60B | $1.99B | 28.53% | 9.80% | 1.14% |
| Q2 2026 | $1.58B | $2.01B | 27.04% | 10.80% | 1.24% |
The First National Bank of Fort Smith loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Fort Smith, 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 The First National Bank of Fort Smith profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3864) · FFIEC NIC profile (RSSD 397540)