First Naturalstate Bank: 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.
Loan-to-deposit ratio climbed 2.72 percentage points in Q2 2026, from 94.54% to 97.26%. It was the largest change from Q1 2026 among the key lines here. First Naturalstate Bank ranks 15th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 97.26% (Q2 2026). First Naturalstate Bank reported 97.26% on loan-to-deposit ratio for Q2 2026, 16.71 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.8M |
| Net loans and leases | $87.4M |
| Loans held for sale | $0 |
| Loans to total assets | 81.58% |
| Loan-to-deposit ratio | 97.26% |
| Net loans to equity capital | 5.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.74% |
| Multifamily (5+ residential) | 2.38% |
| Commercial and industrial | 12.44% |
| Consumer | 6.52% |
| Credit cards | 0.00% |
| Farm | 13.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.15% |
| Construction concentration (Tier 1 capital + allowance) | 32.48% |
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 | 6.80% |
| Interest income on loans | $1.4M |
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 | $68.1M | $79.1M | 12.32% | 16.58% | 8.44% |
| Q4 2023 | $66.6M | $80.1M | 11.99% | 16.65% | 6.94% |
| Q1 2024 | $66.2M | $81.9M | 11.06% | 15.62% | 6.75% |
| Q2 2024 | $71.0M | $81.7M | 9.99% | 15.57% | 6.48% |
| Q3 2024 | $74.1M | $82.8M | 10.19% | 14.63% | 7.04% |
| Q4 2024 | $71.8M | $81.8M | 8.98% | 14.14% | 7.36% |
| Q1 2025 | $72.1M | $87.5M | 8.89% | 15.39% | 7.22% |
| Q2 2025 | $76.8M | $86.1M | 8.19% | 14.10% | 7.12% |
| Q3 2025 | $77.7M | $89.9M | 7.28% | 13.92% | 7.35% |
| Q4 2025 | $81.9M | $83.8M | 6.90% | 13.26% | 6.71% |
| Q1 2026 | $83.0M | $87.8M | 6.96% | 12.99% | 6.24% |
| Q2 2026 | $88.8M | $91.3M | 6.74% | 12.44% | 6.52% |
First Naturalstate Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Naturalstate Bank, 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 Naturalstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21379) · FFIEC NIC profile (RSSD 78241)