Today's 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.
Construction concentration (tier 1 capital + allowance) dropped 2.95 percentage points in Q2 2026, from 88.69% to 85.74%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Today's Bank is 45th of 78 on loan-to-deposit ratio, 83.81% as of Q2 2026, below the middle of the field. Today's Bank reported 83.81% on loan-to-deposit ratio for Q2 2026, 2.97 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $246.9M |
| Net loans and leases | $243.9M |
| Loans held for sale | $0 |
| Loans to total assets | 70.34% |
| Loan-to-deposit ratio | 83.81% |
| Net loans to equity capital | 8.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.66% |
| Multifamily (5+ residential) | 4.78% |
| Commercial and industrial | 4.42% |
| Consumer | 1.64% |
| Credit cards | 0.00% |
| Farm | 4.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 274.63% |
| Construction concentration (Tier 1 capital + allowance) | 85.74% |
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 | 7.16% |
| Interest income on loans | $4.4M |
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 | $235.9M | $275.9M | 31.42% | 10.15% | 1.74% |
| Q4 2023 | $238.8M | $283.7M | 30.77% | 9.98% | 1.82% |
| Q1 2024 | $245.5M | $279.2M | 31.35% | 9.05% | 1.76% |
| Q2 2024 | $248.2M | $290.9M | 31.14% | 8.67% | 1.66% |
| Q3 2024 | $245.2M | $292.1M | 29.98% | 7.93% | 1.70% |
| Q4 2024 | $240.5M | $288.1M | 30.83% | 6.68% | 1.69% |
| Q1 2025 | $238.7M | $296.1M | 29.89% | 6.93% | 1.76% |
| Q2 2025 | $229.3M | $300.4M | 31.46% | 5.23% | 1.90% |
| Q3 2025 | $223.5M | $289.6M | 32.87% | 4.42% | 1.92% |
| Q4 2025 | $235.2M | $301.1M | 31.54% | 4.84% | 1.75% |
| Q1 2026 | $243.2M | $294.6M | 33.45% | 4.81% | 1.75% |
| Q2 2026 | $246.9M | $294.6M | 35.66% | 4.42% | 1.64% |
Today's Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Today's 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 Today's Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33470) · FFIEC NIC profile (RSSD 1879016)