FNBC 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 6.51 percentage points lower than in Q1 2026, at 55.51%. FNBC Bank ranks 38th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 87.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. FNBC Bank sits 6.41 points higher, at 87.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $614.3M |
| Net loans and leases | $602.5M |
| Loans held for sale | $0 |
| Loans to total assets | 72.84% |
| Loan-to-deposit ratio | 87.24% |
| Net loans to equity capital | 8.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.62% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 9.46% |
| Consumer | 6.09% |
| Credit cards | 0.00% |
| Farm | 9.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 190.37% |
| Construction concentration (Tier 1 capital + allowance) | 55.51% |
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 | 7.32% |
| Interest income on loans | $11.2M |
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 | $497.1M | $552.3M | 25.38% | 9.28% | 8.88% |
| Q4 2023 | $525.2M | $602.2M | 26.16% | 10.15% | 8.93% |
| Q1 2024 | $529.6M | $612.9M | 26.00% | 9.84% | 8.74% |
| Q2 2024 | $540.0M | $631.6M | 25.51% | 10.56% | 8.46% |
| Q3 2024 | $537.3M | $682.6M | 25.35% | 10.59% | 8.03% |
| Q4 2024 | $548.4M | $700.0M | 25.55% | 10.51% | 7.53% |
| Q1 2025 | $559.6M | $716.2M | 27.20% | 10.60% | 6.95% |
| Q2 2025 | $564.9M | $712.6M | 28.06% | 10.57% | 6.58% |
| Q3 2025 | $584.4M | $709.0M | 29.35% | 9.75% | 7.06% |
| Q4 2025 | $602.9M | $700.9M | 29.50% | 9.33% | 6.86% |
| Q1 2026 | $608.0M | $690.2M | 29.85% | 8.54% | 6.38% |
| Q2 2026 | $614.3M | $704.1M | 30.62% | 9.46% | 6.09% |
FNBC Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBC 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 FNBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1294) · FFIEC NIC profile (RSSD 100843)