The 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 CRE concentration (Tier 1 capital + allowance): 33.02 percentage points higher than in Q1 2026, at 154.32%. On loan-to-deposit ratio, The Merchants & Planters Bank is 2nd from the bottom among 78 Arkansas banks, 44.46% (Q2 2026). The Merchants & Planters Bank reported 44.46% on loan-to-deposit ratio for Q2 2026, 23.16 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $20.9M |
| Net loans and leases | $20.7M |
| Loans held for sale | $0 |
| Loans to total assets | 40.69% |
| Loan-to-deposit ratio | 44.46% |
| Net loans to equity capital | 5.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 26.08% |
| Consumer | 4.28% |
| Credit cards | 0.00% |
| Farm | 0.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 154.32% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.92% |
| Interest income on loans | $334K |
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 | $17.3M | $43.5M | 29.29% | 40.49% | 5.05% |
| Q4 2023 | $15.2M | $46.7M | 33.33% | 48.33% | 5.62% |
| Q1 2024 | $15.9M | $44.8M | 30.28% | 44.47% | 5.53% |
| Q2 2024 | $17.4M | $44.8M | 28.70% | 39.92% | 5.46% |
| Q3 2024 | $18.6M | $45.7M | 31.36% | 36.87% | 5.02% |
| Q4 2024 | $18.7M | $49.5M | 37.53% | 35.84% | 4.79% |
| Q1 2025 | $18.6M | $45.3M | 37.28% | 36.37% | 4.67% |
| Q2 2025 | $19.5M | $46.5M | 33.71% | 37.03% | 4.88% |
| Q3 2025 | $19.7M | $46.4M | 38.04% | 30.55% | 4.14% |
| Q4 2025 | $17.7M | $51.1M | 38.72% | 34.00% | 5.03% |
| Q1 2026 | $17.8M | $48.5M | 40.42% | 30.55% | 4.40% |
| Q2 2026 | $20.9M | $46.9M | 44.23% | 26.08% | 4.28% |
The Merchants & Planters Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Merchants & Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 107) · FFIEC NIC profile (RSSD 691042)