Bank of Commerce & 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 CRE concentration (Tier 1 capital + allowance): 7.99 percentage points lower than in Q1 2026, at 50.81%. On loan-to-deposit ratio, Bank of Commerce & Trust Company is 2nd from the bottom among 103 Louisiana banks, 29.75% (Q2 2026). Bank of Commerce & Trust Company's loan-to-deposit ratio of 29.75% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 51.09 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.8M |
| Net loans and leases | $98.2M |
| Loans held for sale | $0 |
| Loans to total assets | 26.13% |
| Loan-to-deposit ratio | 29.75% |
| Net loans to equity capital | 2.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.16% |
| Multifamily (5+ residential) | 0.10% |
| Commercial and industrial | 16.91% |
| Consumer | 5.63% |
| Credit cards | 0.00% |
| Farm | 10.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.81% |
| Construction concentration (Tier 1 capital + allowance) | 24.83% |
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 | $1.7M |
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 | $89.2M | $315.3M | 18.84% | 17.32% | 6.70% |
| Q4 2023 | $92.8M | $339.0M | 19.65% | 20.51% | 6.22% |
| Q1 2024 | $86.6M | $319.8M | 20.83% | 23.09% | 6.47% |
| Q2 2024 | $94.0M | $324.2M | 19.28% | 22.55% | 6.09% |
| Q3 2024 | $95.3M | $311.9M | 18.65% | 20.44% | 5.77% |
| Q4 2024 | $92.4M | $333.9M | 21.63% | 17.60% | 5.87% |
| Q1 2025 | $89.5M | $324.1M | 22.34% | 17.54% | 5.74% |
| Q2 2025 | $93.3M | $322.1M | 21.28% | 17.02% | 5.63% |
| Q3 2025 | $102.9M | $324.0M | 19.25% | 16.88% | 5.24% |
| Q4 2025 | $102.9M | $353.8M | 19.20% | 14.95% | 5.22% |
| Q1 2026 | $99.7M | $329.8M | 21.87% | 14.96% | 5.36% |
| Q2 2026 | $98.8M | $332.0M | 19.16% | 16.91% | 5.63% |
Bank of Commerce & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce & 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 Commerce & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10523) · FFIEC NIC profile (RSSD 476539)