Signature Bank of Arkansas: 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 9.90 percentage points in Q2 2026, from 294.74% to 304.65%. It was the largest change from Q1 2026 among the key lines here. Signature Bank of Arkansas ranks 22nd of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 94.43% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Signature Bank of Arkansas sits 6.22 points higher, at 94.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.36B |
| Net loans and leases | $1.34B |
| Loans held for sale | $2.9M |
| Loans to total assets | 83.12% |
| Loan-to-deposit ratio | 94.43% |
| Net loans to equity capital | 8.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.25% |
| Multifamily (5+ residential) | 6.31% |
| Commercial and industrial | 11.75% |
| Consumer | 0.91% |
| Credit cards | 0.09% |
| Farm | 1.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 304.65% |
| Construction concentration (Tier 1 capital + allowance) | 127.51% |
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 | 6.56% |
| Interest income on loans | $21.8M |
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 | $908.7M | $927.4M | 33.55% | 13.72% | 1.18% |
| Q4 2023 | $952.9M | $962.5M | 33.13% | 14.21% | 1.07% |
| Q1 2024 | $982.5M | $1.01B | 31.50% | 15.40% | 1.05% |
| Q2 2024 | $995.8M | $1.02B | 31.25% | 15.01% | 0.99% |
| Q3 2024 | $991.0M | $1.04B | 30.82% | 14.16% | 1.05% |
| Q4 2024 | $1.08B | $1.10B | 30.75% | 13.60% | 1.09% |
| Q1 2025 | $1.14B | $1.20B | 31.27% | 13.02% | 0.94% |
| Q2 2025 | $1.21B | $1.25B | 31.79% | 11.57% | 0.86% |
| Q3 2025 | $1.26B | $1.29B | 29.41% | 13.03% | 0.88% |
| Q4 2025 | $1.27B | $1.32B | 28.40% | 12.68% | 0.88% |
| Q1 2026 | $1.31B | $1.43B | 27.08% | 12.58% | 0.86% |
| Q2 2026 | $1.36B | $1.44B | 27.25% | 11.75% | 0.91% |
Signature Bank of Arkansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Signature Bank of Arkansas, 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 Signature Bank of Arkansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 89) · FFIEC NIC profile (RSSD 3350724)