Bank of Gueydan: 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 Loan-to-deposit ratio: 3.55 percentage points higher than in Q1 2026, at 42.39%. On loan-to-deposit ratio, Bank of Gueydan is 6th from the bottom among 103 Louisiana banks, 42.39% (Q2 2026). Bank of Gueydan reported 42.39% on loan-to-deposit ratio for Q2 2026, 25.23 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $22.5M |
| Net loans and leases | $21.6M |
| Loans held for sale | $0 |
| Loans to total assets | 32.55% |
| Loan-to-deposit ratio | 42.39% |
| Net loans to equity capital | 1.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.71% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 24.42% |
| Consumer | 21.26% |
| Credit cards | 0.00% |
| Farm | 22.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.58% |
| Construction concentration (Tier 1 capital + allowance) | 1.62% |
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 | 6.76% |
| Interest income on loans | $386K |
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 | $22.6M | $59.9M | 8.92% | 35.12% | 23.09% |
| Q4 2023 | $22.8M | $56.8M | 9.00% | 35.46% | 24.82% |
| Q1 2024 | $23.4M | $57.7M | 8.50% | 34.76% | 27.77% |
| Q2 2024 | $25.7M | $56.9M | 8.81% | 31.48% | 26.16% |
| Q3 2024 | $26.3M | $56.3M | 8.45% | 31.91% | 26.36% |
| Q4 2024 | $26.7M | $55.2M | 7.93% | 30.81% | 25.87% |
| Q1 2025 | $26.0M | $56.2M | 8.11% | 33.32% | 25.04% |
| Q2 2025 | $25.4M | $56.5M | 6.93% | 27.57% | 25.55% |
| Q3 2025 | $25.9M | $54.8M | 8.09% | 30.06% | 23.32% |
| Q4 2025 | $24.6M | $53.0M | 8.51% | 30.67% | 22.76% |
| Q1 2026 | $21.4M | $55.0M | 8.55% | 26.94% | 23.96% |
| Q2 2026 | $22.5M | $53.1M | 8.71% | 24.42% | 21.26% |
Bank of Gueydan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Gueydan, 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 Gueydan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8144) · FFIEC NIC profile (RSSD 603232)