Producers Bank & Trust: 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): 11.72 percentage points higher than in Q1 2026, at 58.33%. Within Arkansas, Producers Bank & Trust is 14th of 78 on loan-to-deposit ratio, 97.34% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Producers Bank & Trust sits 16.51 points higher, at 97.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $155.4M |
| Net loans and leases | $152.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.87% |
| Loan-to-deposit ratio | 97.34% |
| Net loans to equity capital | 3.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.22% |
| Multifamily (5+ residential) | 2.90% |
| Commercial and industrial | 8.93% |
| Consumer | 1.85% |
| Credit cards | 0.00% |
| Farm | 14.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.33% |
| Construction concentration (Tier 1 capital + allowance) | 10.87% |
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 | 6.74% |
| Interest income on loans | $2.5M |
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 | $112.4M | $119.8M | 8.37% | 9.45% | 2.12% |
| Q4 2023 | $100.7M | $138.5M | 10.88% | 10.21% | 2.36% |
| Q1 2024 | $96.1M | $135.2M | 12.27% | 12.24% | 2.62% |
| Q2 2024 | $109.3M | $126.7M | 10.24% | 11.87% | 2.24% |
| Q3 2024 | $125.8M | $117.9M | 9.16% | 10.22% | 2.06% |
| Q4 2024 | $115.4M | $128.3M | 9.52% | 11.05% | 2.18% |
| Q1 2025 | $115.1M | $138.6M | 13.41% | 10.31% | 2.20% |
| Q2 2025 | $126.1M | $153.6M | 13.61% | 10.33% | 2.08% |
| Q3 2025 | $144.4M | $135.4M | 13.46% | 9.21% | 1.93% |
| Q4 2025 | $137.4M | $147.9M | 13.98% | 10.06% | 1.93% |
| Q1 2026 | $135.5M | $156.9M | 13.94% | 10.74% | 2.16% |
| Q2 2026 | $155.4M | $159.6M | 12.22% | 8.93% | 1.85% |
Producers Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Producers Bank & Trust, 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 Producers Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11242) · FFIEC NIC profile (RSSD 897648)