Warren Bank and Trust Company: 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 Loan-to-deposit ratio: 3.24 percentage points higher than in Q1 2026, at 77.61%. Within Arkansas, Warren Bank and Trust Company is 55th of 78 on loan-to-deposit ratio, 77.61% as of Q2 2026, below the middle of the field. Warren Bank and Trust Company reported 77.61% on loan-to-deposit ratio for Q2 2026, 3.22 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.4M |
| Net loans and leases | $92.5M |
| Loans held for sale | $0 |
| Loans to total assets | 63.82% |
| Loan-to-deposit ratio | 77.61% |
| Net loans to equity capital | 4.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.22% |
| Multifamily (5+ residential) | 0.28% |
| Commercial and industrial | 10.02% |
| Consumer | 8.55% |
| Credit cards | 0.00% |
| Farm | 25.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.02% |
| Construction concentration (Tier 1 capital + allowance) | 23.74% |
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 | 7.11% |
| Interest income on loans | $1.6M |
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 | $72.4M | $110.8M | 9.96% | 12.77% | 10.45% |
| Q4 2023 | $72.0M | $112.2M | 10.39% | 13.62% | 10.34% |
| Q1 2024 | $73.7M | $116.0M | 16.06% | 13.37% | 9.88% |
| Q2 2024 | $80.4M | $115.2M | 15.77% | 12.73% | 9.15% |
| Q3 2024 | $79.0M | $118.9M | 15.32% | 13.03% | 9.49% |
| Q4 2024 | $82.3M | $116.8M | 14.64% | 12.69% | 9.18% |
| Q1 2025 | $84.2M | $112.8M | 14.55% | 12.31% | 9.14% |
| Q2 2025 | $86.4M | $113.4M | 16.92% | 12.09% | 8.96% |
| Q3 2025 | $82.9M | $116.0M | 15.87% | 11.96% | 9.42% |
| Q4 2025 | $85.7M | $115.7M | 15.26% | 11.48% | 9.03% |
| Q1 2026 | $88.5M | $119.0M | 15.01% | 10.92% | 8.74% |
| Q2 2026 | $93.4M | $120.3M | 15.22% | 10.02% | 8.55% |
Warren Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Warren Bank and Trust Company, 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 Warren Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 81) · FFIEC NIC profile (RSSD 748441)