First National Bank of Izard County: 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.
State and political subdivisions climbed 1.65 percentage points in Q3 2026, from 0.23% to 1.89%. It was the largest change from Q2 2026 among the key lines here. Within Arkansas, First National Bank of Izard County is 60th of 78 on loan-to-deposit ratio, 72.87% as of Q3 2026, below the middle of the field. First National Bank of Izard County reported 73.60% on loan-to-deposit ratio for Q3 2026, 7.34 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $118.4M |
| Net loans and leases | $117.4M |
| Loans held for sale | $0 |
| Loans to total assets | 50.20% |
| Loan-to-deposit ratio | 73.60% |
| Net loans to equity capital | 1.64% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.87% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.02% |
| Consumer | 15.50% |
| Credit cards | 0.00% |
| Farm | 21.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.89% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.45% |
| Construction concentration (Tier 1 capital + allowance) | 9.23% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 8.58% |
| Interest income on loans | $2.5M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $95.2M | $141.8M | 10.30% | 5.93% | 16.08% |
| Q1 2024 | $98.4M | $144.7M | 10.28% | 5.79% | 15.75% |
| Q2 2024 | $100.7M | $145.1M | 10.37% | 5.60% | 16.19% |
| Q3 2024 | $106.6M | $151.4M | 10.21% | 4.58% | 16.52% |
| Q4 2024 | $107.9M | $150.1M | 10.38% | 4.45% | 16.42% |
| Q1 2025 | $110.9M | $153.6M | 11.47% | 4.40% | 16.27% |
| Q2 2025 | $112.6M | $154.0M | 11.37% | 4.07% | 16.62% |
| Q3 2025 | $114.0M | $155.8M | 10.96% | 4.10% | 17.11% |
| Q4 2025 | $114.2M | $159.9M | 11.60% | 4.19% | 16.34% |
| Q1 2026 | $115.6M | $163.0M | 10.87% | 4.42% | 15.57% |
| Q2 2026 | $116.6M | $160.0M | 10.59% | 4.89% | 15.52% |
| Q3 2026 | $118.4M | $160.8M | 9.87% | 5.02% | 15.50% |
First National Bank of Izard County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Izard County, 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 Izard County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11252) · FFIEC NIC profile (RSSD 379649)