Merchants & Planters 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): 12.29 percentage points higher than in Q1 2026, at 35.83%. Merchants & Planters Bank has the 6th lowest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, at 53.32% as of Q2 2026. Merchants & Planters Bank reported 53.32% on loan-to-deposit ratio for Q2 2026, 27.52 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.8M |
| Net loans and leases | $180.1M |
| Loans held for sale | $0 |
| Loans to total assets | 47.91% |
| Loan-to-deposit ratio | 53.32% |
| Net loans to equity capital | 5.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.46% |
| Multifamily (5+ residential) | 2.55% |
| Commercial and industrial | 7.88% |
| Consumer | 8.11% |
| Credit cards | 0.83% |
| Farm | 11.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.70% |
| Construction concentration (Tier 1 capital + allowance) | 35.83% |
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 | 7.98% |
| Interest income on loans | $3.4M |
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 | $187.4M | $282.9M | 15.22% | 9.20% | 9.99% |
| Q4 2023 | $162.7M | $288.9M | 17.49% | 10.04% | 11.38% |
| Q1 2024 | $156.9M | $288.7M | 17.37% | 11.35% | 11.32% |
| Q2 2024 | $175.1M | $288.1M | 15.35% | 9.46% | 10.19% |
| Q3 2024 | $189.7M | $282.0M | 13.89% | 9.61% | 10.18% |
| Q4 2024 | $179.9M | $287.2M | 14.51% | 9.66% | 10.47% |
| Q1 2025 | $169.5M | $297.8M | 15.36% | 11.17% | 10.68% |
| Q2 2025 | $177.5M | $297.6M | 14.46% | 9.04% | 9.69% |
| Q3 2025 | $180.2M | $315.5M | 14.01% | 7.81% | 9.40% |
| Q4 2025 | $170.2M | $321.5M | 15.01% | 8.00% | 9.30% |
| Q1 2026 | $160.0M | $309.9M | 14.99% | 8.46% | 9.39% |
| Q2 2026 | $181.8M | $340.9M | 13.46% | 7.88% | 8.11% |
Merchants & Planters Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Planters 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 Merchants & Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16464) · FFIEC NIC profile (RSSD 99143)