The Bank of Commerce: 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 6.93 percentage points in Q2 2026, from 44.63% to 51.56%. It was the largest change from Q1 2026 among the key lines here. The Bank of Commerce ranks 91st of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 51.56% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Bank of Commerce sits 16.06 points lower, at 51.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.6M |
| Net loans and leases | $37.2M |
| Loans held for sale | $0 |
| Loans to total assets | 46.19% |
| Loan-to-deposit ratio | 51.56% |
| Net loans to equity capital | 4.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.03% |
| Multifamily (5+ residential) | 5.34% |
| Commercial and industrial | 17.90% |
| Consumer | 4.23% |
| Credit cards | 0.00% |
| Farm | 5.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.73% |
| Construction concentration (Tier 1 capital + allowance) | 71.40% |
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 | 6.74% |
| Interest income on loans | $618K |
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 | $40.9M | $61.0M | 18.35% | 17.92% | 3.73% |
| Q4 2023 | $36.0M | $68.3M | 20.25% | 17.72% | 4.31% |
| Q1 2024 | $38.8M | $66.4M | 18.28% | 21.15% | 3.37% |
| Q2 2024 | $37.5M | $65.2M | 15.32% | 19.69% | 3.73% |
| Q3 2024 | $38.3M | $60.2M | 17.66% | 19.79% | 3.78% |
| Q4 2024 | $37.0M | $77.6M | 18.09% | 18.27% | 3.79% |
| Q1 2025 | $38.5M | $72.1M | 17.27% | 18.44% | 4.44% |
| Q2 2025 | $41.6M | $64.1M | 15.59% | 18.26% | 4.31% |
| Q3 2025 | $44.7M | $68.8M | 16.01% | 16.33% | 4.18% |
| Q4 2025 | $38.0M | $81.7M | 16.20% | 17.87% | 4.81% |
| Q1 2026 | $35.7M | $80.0M | 16.89% | 19.16% | 5.16% |
| Q2 2026 | $37.6M | $73.0M | 17.03% | 17.90% | 4.23% |
The Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Commerce, 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 The Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1374) · FFIEC NIC profile (RSSD 103134)