Generations 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 CRE concentration (Tier 1 capital + allowance): 17.42 percentage points higher than in Q1 2026, at 261.44%. Within Arkansas, Generations Bank is 50th of 78 on loan-to-deposit ratio, 81.94% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Generations Bank sits 6.27 points lower, at 81.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $766.6M |
| Net loans and leases | $759.6M |
| Loans held for sale | $553K |
| Loans to total assets | 70.26% |
| Loan-to-deposit ratio | 81.94% |
| Net loans to equity capital | 6.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.25% |
| Multifamily (5+ residential) | 5.14% |
| Commercial and industrial | 7.83% |
| Consumer | 1.98% |
| Credit cards | 0.00% |
| Farm | 3.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 261.44% |
| Construction concentration (Tier 1 capital + allowance) | 123.25% |
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 | 7.43% |
| Interest income on loans | $14.3M |
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 | $612.4M | $720.3M | 29.28% | 16.09% | 2.79% |
| Q4 2023 | $623.0M | $741.1M | 31.59% | 13.12% | 2.72% |
| Q1 2024 | $637.5M | $762.8M | 34.87% | 8.60% | 2.61% |
| Q2 2024 | $650.2M | $758.7M | 31.96% | 9.14% | 2.47% |
| Q3 2024 | $660.1M | $799.4M | 30.88% | 9.24% | 2.61% |
| Q4 2024 | $664.6M | $832.7M | 32.63% | 8.71% | 2.52% |
| Q1 2025 | $692.6M | $857.9M | 32.81% | 8.80% | 2.41% |
| Q2 2025 | $700.0M | $878.0M | 30.97% | 9.35% | 2.42% |
| Q3 2025 | $719.1M | $881.1M | 30.87% | 9.39% | 2.44% |
| Q4 2025 | $744.0M | $896.1M | 29.61% | 8.52% | 2.43% |
| Q1 2026 | $750.7M | $910.9M | 31.76% | 8.01% | 1.96% |
| Q2 2026 | $766.6M | $935.6M | 33.25% | 7.83% | 1.98% |
Generations Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Generations 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 Generations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 88) · FFIEC NIC profile (RSSD 329345)