Petit Jean State 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.
Cre concentration (tier 1 capital + allowance) climbed 2.08 percentage points in Q2 2026, from 55.00% to 57.08%. It was the largest change from Q1 2026 among the key lines here. Petit Jean State Bank ranks 64th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 68.31% (Q2 2026). Petit Jean State Bank reported 68.31% on loan-to-deposit ratio for Q2 2026, 12.53 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.8M |
| Net loans and leases | $141.1M |
| Loans held for sale | $0 |
| Loans to total assets | 55.32% |
| Loan-to-deposit ratio | 68.31% |
| Net loans to equity capital | 3.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.62% |
| Multifamily (5+ residential) | 1.03% |
| Commercial and industrial | 27.74% |
| Consumer | 3.22% |
| Credit cards | 0.00% |
| Farm | 1.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.08% |
| Construction concentration (Tier 1 capital + allowance) | 44.01% |
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 | 7.75% |
| Interest income on loans | $2.7M |
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 | $114.0M | $194.6M | 32.10% | 28.09% | 5.53% |
| Q4 2023 | $115.5M | $193.7M | 29.86% | 29.66% | 5.03% |
| Q1 2024 | $115.7M | $192.5M | 31.75% | 30.53% | 5.02% |
| Q2 2024 | $122.7M | $191.2M | 32.77% | 30.00% | 4.64% |
| Q3 2024 | $128.6M | $196.0M | 31.62% | 31.14% | 4.20% |
| Q4 2024 | $123.6M | $191.1M | 31.06% | 29.59% | 4.29% |
| Q1 2025 | $124.2M | $195.8M | 31.61% | 29.63% | 4.16% |
| Q2 2025 | $131.1M | $198.7M | 32.51% | 29.87% | 4.21% |
| Q3 2025 | $135.5M | $200.2M | 29.80% | 28.91% | 3.96% |
| Q4 2025 | $137.6M | $201.5M | 30.79% | 28.60% | 3.76% |
| Q1 2026 | $143.1M | $212.5M | 30.05% | 27.02% | 3.33% |
| Q2 2026 | $143.8M | $210.5M | 29.62% | 27.74% | 3.22% |
Petit Jean State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Petit Jean State 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 Petit Jean State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35084) · FFIEC NIC profile (RSSD 2769570)