The Bank of Lafayette: 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.
Cre concentration (tier 1 capital + allowance) dropped 2.66 percentage points in Q2 2026, from 54.92% to 52.25%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Bank of Lafayette is 10th from the bottom among 122 Georgia banks, 44.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Lafayette sits 36.22 points lower, at 44.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $176.8M |
| Net loans and leases | $175.7M |
| Loans held for sale | $0 |
| Loans to total assets | 39.57% |
| Loan-to-deposit ratio | 44.61% |
| Net loans to equity capital | 9.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.65% |
| Multifamily (5+ residential) | 3.35% |
| Commercial and industrial | 7.05% |
| Consumer | 13.25% |
| Credit cards | 0.35% |
| Farm | 2.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.25% |
| Construction concentration (Tier 1 capital + allowance) | 36.52% |
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 | 7.35% |
| Interest income on loans | $3.2M |
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 | $145.8M | $338.4M | 6.78% | 3.16% | 15.50% |
| Q4 2023 | $151.8M | $368.9M | 6.58% | 3.43% | 15.59% |
| Q1 2024 | $157.0M | $365.9M | 6.47% | 4.41% | 15.31% |
| Q2 2024 | $158.0M | $368.1M | 6.45% | 4.26% | 15.59% |
| Q3 2024 | $161.4M | $340.3M | 5.87% | 4.21% | 15.53% |
| Q4 2024 | $161.7M | $375.9M | 6.22% | 4.16% | 15.83% |
| Q1 2025 | $164.2M | $382.1M | 6.51% | 4.02% | 15.11% |
| Q2 2025 | $164.6M | $369.5M | 7.18% | 4.30% | 15.24% |
| Q3 2025 | $166.4M | $339.9M | 6.56% | 4.52% | 14.83% |
| Q4 2025 | $172.4M | $377.9M | 6.08% | 6.24% | 13.71% |
| Q1 2026 | $174.7M | $386.5M | 6.16% | 6.28% | 13.48% |
| Q2 2026 | $176.8M | $396.2M | 5.65% | 7.05% | 13.25% |
The Bank of Lafayette loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Lafayette, 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 Lafayette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9245) · FFIEC NIC profile (RSSD 944739)