Bank of Abbeville & 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.
Loan-to-deposit ratio climbed 1.71 percentage points in Q2 2026, from 58.50% to 60.21%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Bank of Abbeville & Trust Company is 84th of 103 on loan-to-deposit ratio, 60.21% 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. Bank of Abbeville & Trust Company sits 20.63 points lower, at 60.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $129.1M |
| Net loans and leases | $127.3M |
| Loans held for sale | $560K |
| Loans to total assets | 52.59% |
| Loan-to-deposit ratio | 60.21% |
| Net loans to equity capital | 4.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.19% |
| Multifamily (5+ residential) | 0.31% |
| Commercial and industrial | 12.20% |
| Consumer | 2.82% |
| Credit cards | 0.00% |
| Farm | 5.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.56% |
| Construction concentration (Tier 1 capital + allowance) | 45.43% |
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 | — |
| Interest income on loans | $2.1M |
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 | $115.6M | $161.6M | 36.58% | 14.46% | 2.58% |
| Q4 2023 | $116.3M | $167.0M | 35.85% | 14.29% | 2.73% |
| Q1 2024 | $115.4M | $176.2M | 35.81% | 15.04% | 2.83% |
| Q2 2024 | $116.3M | $175.5M | 33.89% | 15.17% | 2.93% |
| Q3 2024 | $120.9M | $181.8M | 34.90% | 14.26% | 3.16% |
| Q4 2024 | $121.4M | $181.6M | 35.42% | 13.96% | 3.19% |
| Q1 2025 | $121.6M | $193.2M | 35.80% | 12.58% | 2.99% |
| Q2 2025 | $121.7M | $192.8M | 35.37% | 13.04% | 2.98% |
| Q3 2025 | $121.8M | $206.5M | 33.80% | 13.39% | 2.84% |
| Q4 2025 | $119.0M | $212.3M | 33.62% | 13.56% | 2.91% |
| Q1 2026 | $126.6M | $216.5M | 31.76% | 12.21% | 2.90% |
| Q2 2026 | $129.1M | $214.4M | 33.19% | 12.20% | 2.82% |
Bank of Abbeville & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Abbeville & 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 Bank of Abbeville & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11782) · FFIEC NIC profile (RSSD 213538)