Stone 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.
CRE concentration (Tier 1 capital + allowance) dropped 8.46 percentage points in Q2 2026, from 182.66% to 174.21%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Stone Bank is 13th of 78 on loan-to-deposit ratio, 98.49% as of Q2 2026. Stone Bank reported 98.49% on loan-to-deposit ratio for Q2 2026, 17.93 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $746.3M |
| Net loans and leases | $735.7M |
| Loans held for sale | $48.5M |
| Loans to total assets | 78.50% |
| Loan-to-deposit ratio | 98.49% |
| Net loans to equity capital | 9.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.80% |
| Multifamily (5+ residential) | 5.29% |
| Commercial and industrial | 10.86% |
| Consumer | 0.71% |
| Credit cards | 0.00% |
| Farm | 17.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.21% |
| Construction concentration (Tier 1 capital + allowance) | 55.73% |
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 | 6.60% |
| Interest income on loans | $12.3M |
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 | $584.4M | $588.0M | 27.17% | 13.41% | 1.05% |
| Q4 2023 | $582.6M | $583.3M | 27.11% | 13.05% | 1.07% |
| Q1 2024 | $617.4M | $602.0M | 31.87% | 12.52% | 1.02% |
| Q2 2024 | $648.6M | $635.0M | 31.97% | 13.09% | 1.04% |
| Q3 2024 | $652.8M | $647.8M | 31.69% | 12.86% | 1.06% |
| Q4 2024 | $646.0M | $659.7M | 32.49% | 11.75% | 0.97% |
| Q1 2025 | $667.1M | $656.7M | 31.67% | 11.68% | 0.86% |
| Q2 2025 | $683.6M | $690.6M | 32.64% | 11.42% | 0.79% |
| Q3 2025 | $726.8M | $696.4M | 33.36% | 11.08% | 0.72% |
| Q4 2025 | $690.9M | $704.2M | 32.23% | 11.07% | 0.70% |
| Q1 2026 | $697.8M | $715.3M | 33.83% | 11.29% | 0.67% |
| Q2 2026 | $746.3M | $757.7M | 34.80% | 10.86% | 0.71% |
Stone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stone 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 Stone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17431) · FFIEC NIC profile (RSSD 913146)