First Security 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.
CRE concentration (Tier 1 capital + allowance) dropped 6.43 percentage points in Q2 2026, from 173.10% to 166.67%. It was the largest change from Q1 2026 among the key lines here. First Security Bank ranks 65th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 67.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Security Bank sits 20.55 points lower, at 67.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.60B |
| Net loans and leases | $4.50B |
| Loans held for sale | $7.7M |
| Loans to total assets | 53.61% |
| Loan-to-deposit ratio | 67.65% |
| Net loans to equity capital | 3.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.88% |
| Multifamily (5+ residential) | 5.60% |
| Commercial and industrial | 17.70% |
| Consumer | 0.91% |
| Credit cards | 0.25% |
| Farm | 1.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 166.67% |
| Construction concentration (Tier 1 capital + allowance) | 54.76% |
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 | 6.37% |
| Interest income on loans | $71.7M |
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 | $3.95B | $6.16B | 38.57% | 14.41% | 1.07% |
| Q4 2023 | $4.07B | $6.14B | 38.78% | 13.83% | 1.04% |
| Q1 2024 | $4.16B | $6.24B | 36.54% | 15.47% | 1.02% |
| Q2 2024 | $4.14B | $6.22B | 36.71% | 15.18% | 1.02% |
| Q3 2024 | $4.17B | $6.40B | 36.45% | 14.56% | 1.03% |
| Q4 2024 | $4.29B | $6.47B | 37.09% | 15.10% | 0.95% |
| Q1 2025 | $4.21B | $6.53B | 38.32% | 14.77% | 0.97% |
| Q2 2025 | $4.29B | $6.57B | 39.91% | 14.64% | 0.95% |
| Q3 2025 | $4.43B | $6.72B | 40.54% | 15.64% | 0.94% |
| Q4 2025 | $4.50B | $6.56B | 38.07% | 17.19% | 0.93% |
| Q1 2026 | $4.56B | $6.67B | 37.64% | 17.10% | 0.94% |
| Q2 2026 | $4.60B | $6.80B | 36.88% | 17.70% | 0.91% |
First Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5633) · FFIEC NIC profile (RSSD 673440)