American 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) climbed 5.17 percentage points in Q2 2026, from 139.02% to 144.19%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, American Bank is 59th of 103 on loan-to-deposit ratio, 77.21% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Bank sits 3.62 points lower, at 77.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.1M |
| Net loans and leases | $244.6M |
| Loans held for sale | $1.1M |
| Loans to total assets | 67.94% |
| Loan-to-deposit ratio | 77.21% |
| Net loans to equity capital | 6.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.13% |
| Multifamily (5+ residential) | 2.46% |
| Commercial and industrial | 7.33% |
| Consumer | 0.73% |
| Credit cards | 0.00% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.68% |
| Construction concentration (Tier 1 capital + allowance) | 144.19% |
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 | 10.09% |
| Interest income on loans | $6.1M |
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 | $220.5M | $250.0M | 35.97% | 9.75% | 1.05% |
| Q4 2023 | $232.9M | $258.1M | 34.22% | 10.02% | 1.09% |
| Q1 2024 | $248.7M | $266.6M | 33.54% | 9.64% | 1.00% |
| Q2 2024 | $252.2M | $301.0M | 32.05% | 10.24% | 0.85% |
| Q3 2024 | $252.6M | $307.0M | 32.96% | 10.37% | 0.85% |
| Q4 2024 | $244.8M | $290.5M | 35.43% | 9.07% | 0.85% |
| Q1 2025 | $230.9M | $287.7M | 40.56% | 9.50% | 0.87% |
| Q2 2025 | $234.7M | $290.3M | 39.46% | 9.59% | 0.87% |
| Q3 2025 | $224.8M | $295.1M | 40.27% | 7.83% | 0.87% |
| Q4 2025 | $230.1M | $295.4M | 43.10% | 8.59% | 0.80% |
| Q1 2026 | $239.7M | $317.3M | 42.51% | 8.12% | 0.75% |
| Q2 2026 | $249.1M | $322.6M | 44.13% | 7.33% | 0.73% |
American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American 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 American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19234) · FFIEC NIC profile (RSSD 597452)