Riverbank: 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.
Construction concentration (Tier 1 capital + allowance) dropped 49.49 percentage points in Q2 2026, from 106.22% to 56.72%. It was the largest change from Q1 2026 among the key lines here. Riverbank ranks 29th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 90.63% (Q2 2026). Riverbank reported 90.63% on loan-to-deposit ratio for Q2 2026, 10.07 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.3M |
| Net loans and leases | $134.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.14% |
| Loan-to-deposit ratio | 90.63% |
| Net loans to equity capital | 6.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.48% |
| Multifamily (5+ residential) | 0.16% |
| Commercial and industrial | 10.07% |
| Consumer | 1.03% |
| Credit cards | 0.00% |
| Farm | 40.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 85.71% |
| Construction concentration (Tier 1 capital + allowance) | 56.72% |
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 | 6.94% |
| 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 | $96.8M | $99.2M | 8.04% | 4.01% | 1.41% |
| Q4 2023 | $86.9M | $90.5M | 15.60% | 4.53% | 1.62% |
| Q1 2024 | $93.5M | $92.7M | 14.93% | 5.02% | 1.36% |
| Q2 2024 | $101.1M | $99.5M | 13.96% | 4.71% | 1.40% |
| Q3 2024 | $107.4M | $120.6M | 12.39% | 5.15% | 1.47% |
| Q4 2024 | $104.6M | $120.9M | 15.07% | 6.27% | 1.48% |
| Q1 2025 | $109.8M | $125.2M | 14.40% | 6.31% | 1.29% |
| Q2 2025 | $119.3M | $136.8M | 12.61% | 7.74% | 1.17% |
| Q3 2025 | $131.7M | $146.8M | 11.83% | 7.11% | 1.02% |
| Q4 2025 | $125.8M | $139.1M | 12.20% | 7.67% | 1.06% |
| Q1 2026 | $126.6M | $142.8M | 12.18% | 10.30% | 1.08% |
| Q2 2026 | $136.3M | $150.4M | 11.48% | 10.07% | 1.03% |
Riverbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverbank, 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 Riverbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31711) · FFIEC NIC profile (RSSD 29476)