Bank of St. Francisville: 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): 5.14 percentage points higher than in Q1 2026, at 195.85%. Within Louisiana, Bank of St. Francisville is 36th of 103 on loan-to-deposit ratio, 87.54% as of Q2 2026, above the middle of the field. Bank of St. Francisville reported 87.54% on loan-to-deposit ratio for Q2 2026, 6.70 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $302.9M |
| Net loans and leases | $298.8M |
| Loans held for sale | $0 |
| Loans to total assets | 75.96% |
| Loan-to-deposit ratio | 87.54% |
| Net loans to equity capital | 7.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.72% |
| Multifamily (5+ residential) | 6.70% |
| Commercial and industrial | 8.78% |
| Consumer | 1.33% |
| Credit cards | 0.00% |
| Farm | 3.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 195.85% |
| Construction concentration (Tier 1 capital + allowance) | 71.99% |
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 | $5.1M |
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 | $229.9M | $257.6M | 27.25% | 10.06% | 1.76% |
| Q4 2023 | $232.7M | $280.5M | 29.45% | 9.40% | 1.66% |
| Q1 2024 | $243.2M | $295.3M | 30.73% | 9.27% | 1.63% |
| Q2 2024 | $251.6M | $296.5M | 29.90% | 9.53% | 1.55% |
| Q3 2024 | $261.5M | $312.1M | 29.20% | 9.20% | 1.40% |
| Q4 2024 | $269.0M | $338.0M | 30.49% | 9.27% | 1.29% |
| Q1 2025 | $274.6M | $330.2M | 31.80% | 8.54% | 1.44% |
| Q2 2025 | $283.1M | $327.9M | 31.66% | 8.34% | 1.51% |
| Q3 2025 | $282.7M | $323.3M | 30.62% | 8.37% | 1.52% |
| Q4 2025 | $292.9M | $326.1M | 32.04% | 7.36% | 1.35% |
| Q1 2026 | $296.2M | $346.4M | 31.19% | 7.40% | 1.27% |
| Q2 2026 | $302.9M | $346.0M | 30.72% | 8.78% | 1.33% |
Bank of St. Francisville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of St. Francisville, 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 St. Francisville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22739) · FFIEC NIC profile (RSSD 364430)