Bank of Sunset & 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.
Construction concentration (tier 1 capital + allowance) climbed 8.30 percentage points in Q2 2026, from 181.15% to 189.45%. It was the largest change from Q1 2026 among the key lines here. Bank of Sunset & Trust Company ranks 27th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 90.58% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Sunset & Trust Company sits 9.64 points higher, at 90.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $153.2M |
| Net loans and leases | $151.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.67% |
| Loan-to-deposit ratio | 90.58% |
| Net loans to equity capital | 7.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.41% |
| Multifamily (5+ residential) | 2.78% |
| Commercial and industrial | 6.95% |
| Consumer | 0.87% |
| Credit cards | 0.00% |
| Farm | 1.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 242.47% |
| Construction concentration (Tier 1 capital + allowance) | 189.45% |
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 | 6.94% |
| Interest income on loans | $2.7M |
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 | $140.5M | $156.8M | 23.30% | 13.04% | 0.80% |
| Q4 2023 | $146.3M | $151.4M | 22.42% | 12.31% | 0.86% |
| Q1 2024 | $148.4M | $168.6M | 21.72% | 11.70% | 0.81% |
| Q2 2024 | $149.5M | $164.1M | 20.91% | 11.13% | 0.64% |
| Q3 2024 | $153.0M | $161.9M | 19.02% | 11.38% | 0.66% |
| Q4 2024 | $150.3M | $162.9M | 19.01% | 11.70% | 0.61% |
| Q1 2025 | $157.7M | $177.3M | 20.04% | 10.89% | 0.73% |
| Q2 2025 | $156.6M | $173.9M | 19.64% | 12.15% | 0.81% |
| Q3 2025 | $152.3M | $168.8M | 19.09% | 11.13% | 0.84% |
| Q4 2025 | $153.2M | $166.7M | 20.62% | 7.42% | 0.83% |
| Q1 2026 | $153.5M | $173.9M | 19.01% | 7.93% | 0.89% |
| Q2 2026 | $153.2M | $169.1M | 18.41% | 6.95% | 0.87% |
Bank of Sunset & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Sunset & 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 Sunset & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11788) · FFIEC NIC profile (RSSD 910239)