Southern Bancorp 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: 56.7% lower than in Q1 2026, at $1.6M. Within Arkansas, Southern Bancorp Bank is 43rd of 78 on loan-to-deposit ratio, 84.70% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southern Bancorp Bank sits 3.50 points lower, at 84.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.98B |
| Net loans and leases | $1.96B |
| Loans held for sale | $1.6M |
| Loans to total assets | 65.69% |
| Loan-to-deposit ratio | 84.70% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.44% |
| Multifamily (5+ residential) | 4.64% |
| Commercial and industrial | 9.76% |
| Consumer | 2.01% |
| Credit cards | 0.00% |
| Farm | 10.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 164.31% |
| Construction concentration (Tier 1 capital + allowance) | 87.04% |
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 | 6.16% |
| Interest income on loans | $30.0M |
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 | $1.57B | $1.98B | 23.31% | 14.33% | 2.76% |
| Q4 2023 | $1.55B | $2.03B | 24.16% | 13.41% | 2.80% |
| Q1 2024 | $1.58B | $2.02B | 23.94% | 13.98% | 2.77% |
| Q2 2024 | $1.66B | $2.01B | 23.80% | 13.63% | 2.62% |
| Q3 2024 | $1.73B | $2.10B | 23.01% | 13.29% | 2.55% |
| Q4 2024 | $1.75B | $2.14B | 24.54% | 12.73% | 2.58% |
| Q1 2025 | $1.74B | $2.13B | 24.93% | 12.81% | 2.59% |
| Q2 2025 | $1.82B | $2.12B | 24.41% | 12.22% | 2.52% |
| Q3 2025 | $1.82B | $2.09B | 24.15% | 11.55% | 2.40% |
| Q4 2025 | $1.85B | $2.12B | 24.28% | 11.13% | 2.32% |
| Q1 2026 | $1.85B | $2.17B | 23.65% | 11.22% | 2.18% |
| Q2 2026 | $1.98B | $2.34B | 22.44% | 9.76% | 2.01% |
Southern Bancorp Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Bancorp 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 Southern Bancorp Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1528) · FFIEC NIC profile (RSSD 852544)