First State Bank of Dequeen: 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 2.55 percentage points in Q2 2026, from 61.28% to 63.83%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, First State Bank of Dequeen is 67th of 78 on loan-to-deposit ratio, 63.83% as of Q2 2026, below the middle of the field. First State Bank of Dequeen reported 63.83% on loan-to-deposit ratio for Q2 2026, 17.01 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $295.9M |
| Net loans and leases | $291.9M |
| Loans held for sale | $0 |
| Loans to total assets | 56.36% |
| Loan-to-deposit ratio | 63.83% |
| Net loans to equity capital | 8.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.57% |
| Multifamily (5+ residential) | 0.28% |
| Commercial and industrial | 6.85% |
| Consumer | 2.52% |
| Credit cards | 0.00% |
| Farm | 49.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.84% |
| Construction concentration (Tier 1 capital + allowance) | 39.70% |
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 | 7.45% |
| Interest income on loans | $5.4M |
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 | $227.8M | $273.0M | 11.10% | 8.80% | 4.05% |
| Q4 2023 | $227.2M | $283.7M | 10.72% | 8.46% | 3.87% |
| Q1 2024 | $233.5M | $309.0M | 10.53% | 8.82% | 3.81% |
| Q2 2024 | $233.9M | $330.5M | 10.58% | 8.61% | 3.61% |
| Q3 2024 | $240.8M | $353.8M | 10.58% | 8.25% | 3.43% |
| Q4 2024 | $251.5M | $362.5M | 12.00% | 7.53% | 3.22% |
| Q1 2025 | $261.5M | $377.1M | 12.07% | 7.25% | 2.95% |
| Q2 2025 | $273.0M | $404.7M | 12.20% | 7.03% | 2.84% |
| Q3 2025 | $279.1M | $427.9M | 12.08% | 6.63% | 2.76% |
| Q4 2025 | $284.1M | $451.9M | 12.11% | 6.69% | 2.68% |
| Q1 2026 | $288.4M | $470.7M | 12.49% | 6.63% | 2.57% |
| Q2 2026 | $295.9M | $463.6M | 12.57% | 6.85% | 2.52% |
First State Bank of Dequeen loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Dequeen, 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 State Bank of Dequeen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21805) · FFIEC NIC profile (RSSD 519146)