Priority 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 Loans held for sale: 193.4% higher than in Q1 2026, at $6.5M. Within Arkansas, Priority Bank is 30th of 78 on loan-to-deposit ratio, 90.15% as of Q2 2026. Priority Bank reported 90.15% on loan-to-deposit ratio for Q2 2026, 9.60 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $116.7M |
| Net loans and leases | $115.2M |
| Loans held for sale | $6.5M |
| Loans to total assets | 76.05% |
| Loan-to-deposit ratio | 90.15% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.15% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.12% |
| Consumer | 1.07% |
| Credit cards | 0.00% |
| Farm | 4.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.05% |
| Construction concentration (Tier 1 capital + allowance) | 84.95% |
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 | 7.81% |
| Interest income on loans | $2.3M |
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 | $78.0M | $72.8M | 7.46% | 3.32% | 1.98% |
| Q4 2023 | $82.6M | $87.6M | 6.92% | 3.38% | 1.87% |
| Q1 2024 | $85.2M | $88.6M | 7.77% | 4.98% | 2.08% |
| Q2 2024 | $82.8M | $86.4M | 8.64% | 6.64% | 1.82% |
| Q3 2024 | $92.1M | $96.1M | 13.19% | 6.30% | 1.76% |
| Q4 2024 | $97.9M | $105.4M | 12.92% | 6.36% | 1.39% |
| Q1 2025 | $100.8M | $107.8M | 13.99% | 5.40% | 1.24% |
| Q2 2025 | $105.9M | $108.1M | 13.13% | 4.97% | 1.02% |
| Q3 2025 | $112.3M | $131.6M | 14.01% | 4.76% | 0.96% |
| Q4 2025 | $109.7M | $124.7M | 13.59% | 4.33% | 1.06% |
| Q1 2026 | $113.6M | $126.6M | 15.14% | 4.41% | 1.09% |
| Q2 2026 | $116.7M | $129.4M | 15.15% | 4.12% | 1.07% |
Priority Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Priority 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 Priority Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33818) · FFIEC NIC profile (RSSD 2059990)