Partners 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): 17.03 percentage points higher than in Q1 2026, at 277.92%. Among 78 Arkansas banks, Partners Bank sits 6th from the top on loan-to-deposit ratio, 104.29% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Partners Bank sits 23.46 points higher, at 104.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $369.2M |
| Net loans and leases | $362.5M |
| Loans held for sale | $515K |
| Loans to total assets | 88.53% |
| Loan-to-deposit ratio | 104.29% |
| Net loans to equity capital | 6.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.86% |
| Multifamily (5+ residential) | 9.63% |
| Commercial and industrial | 8.88% |
| Consumer | 0.35% |
| Credit cards | 0.00% |
| Farm | 5.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 277.92% |
| Construction concentration (Tier 1 capital + allowance) | 57.58% |
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 | 6.59% |
| Interest income on loans | $5.8M |
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 | $387.9M | $338.0M | 33.75% | 10.84% | 0.51% |
| Q4 2023 | $370.9M | $349.1M | 34.54% | 11.50% | 0.34% |
| Q1 2024 | $358.0M | $357.0M | 36.28% | 13.21% | 0.32% |
| Q2 2024 | $380.9M | $358.1M | 34.85% | 12.85% | 0.28% |
| Q3 2024 | $388.9M | $354.8M | 36.01% | 11.35% | 0.29% |
| Q4 2024 | $377.9M | $366.4M | 37.11% | 11.20% | 0.32% |
| Q1 2025 | $372.3M | $342.9M | 36.04% | 10.51% | 0.29% |
| Q2 2025 | $383.4M | $329.5M | 39.66% | 10.14% | 0.30% |
| Q3 2025 | $387.8M | $340.5M | 38.71% | 9.17% | 0.28% |
| Q4 2025 | $354.7M | $348.4M | 40.71% | 9.68% | 0.32% |
| Q1 2026 | $342.1M | $346.2M | 39.25% | 9.35% | 0.42% |
| Q2 2026 | $369.2M | $354.0M | 39.86% | 8.88% | 0.35% |
Partners Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners 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 Partners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15729) · FFIEC NIC profile (RSSD 335346)