Bank of Erath: 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 Construction concentration (Tier 1 capital + allowance): 3.15 percentage points higher than in Q1 2026, at 25.72%. Bank of Erath has the 10th lowest loan-to-deposit ratio of the 103 banks headquartered in Louisiana, at 48.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Erath sits 32.64 points lower, at 48.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.5M |
| Net loans and leases | $42.8M |
| Loans held for sale | $0 |
| Loans to total assets | 41.29% |
| Loan-to-deposit ratio | 48.19% |
| Net loans to equity capital | 3.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.15% |
| Multifamily (5+ residential) | 0.46% |
| Commercial and industrial | 3.94% |
| Consumer | 4.33% |
| Credit cards | 0.00% |
| Farm | 6.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.37% |
| Construction concentration (Tier 1 capital + allowance) | 25.72% |
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 | 7.46% |
| Interest income on loans | $805K |
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 | $63.9M | $96.2M | 30.92% | 9.86% | 3.15% |
| Q4 2023 | $60.1M | $98.1M | 32.36% | 9.79% | 3.48% |
| Q1 2024 | $59.9M | $97.0M | 32.43% | 9.81% | 3.73% |
| Q2 2024 | $61.4M | $96.2M | 31.05% | 8.99% | 3.56% |
| Q3 2024 | $59.2M | $94.8M | 29.78% | 8.65% | 3.54% |
| Q4 2024 | $55.6M | $97.7M | 31.60% | 10.02% | 3.72% |
| Q1 2025 | $54.8M | $95.1M | 31.82% | 10.36% | 3.67% |
| Q2 2025 | $56.2M | $91.4M | 30.68% | 10.01% | 3.39% |
| Q3 2025 | $55.7M | $91.7M | 29.22% | 9.66% | 3.42% |
| Q4 2025 | $46.7M | $93.9M | 30.57% | 4.44% | 3.80% |
| Q1 2026 | $42.8M | $93.5M | 29.17% | 4.32% | 3.96% |
| Q2 2026 | $43.5M | $90.2M | 26.15% | 3.94% | 4.33% |
Bank of Erath loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Erath, 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 Erath profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8532) · FFIEC NIC profile (RSSD 399731)