Bank of Zachary: 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): 5.41 percentage points lower than in Q1 2026, at 177.38%. Within Louisiana, Bank of Zachary is 41st of 103 on loan-to-deposit ratio, 85.62% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Zachary sits 4.78 points higher, at 85.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $307.9M |
| Net loans and leases | $305.2M |
| Loans held for sale | $0 |
| Loans to total assets | 74.03% |
| Loan-to-deposit ratio | 85.62% |
| Net loans to equity capital | 7.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.49% |
| Multifamily (5+ residential) | 0.48% |
| Commercial and industrial | 3.60% |
| Consumer | 1.44% |
| Credit cards | 0.00% |
| Farm | 0.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 177.38% |
| Construction concentration (Tier 1 capital + allowance) | 128.96% |
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 | 6.78% |
| Interest income on loans | $5.2M |
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 | $222.2M | $361.3M | 26.06% | 2.15% | 1.92% |
| Q4 2023 | $227.9M | $345.1M | 26.23% | 2.31% | 1.81% |
| Q1 2024 | $229.4M | $364.1M | 24.50% | 2.69% | 1.88% |
| Q2 2024 | $231.7M | $363.9M | 23.76% | 2.36% | 1.79% |
| Q3 2024 | $238.7M | $357.6M | 23.43% | 2.53% | 1.93% |
| Q4 2024 | $256.9M | $358.1M | 24.02% | 2.58% | 1.69% |
| Q1 2025 | $264.7M | $362.6M | 24.62% | 2.89% | 1.80% |
| Q2 2025 | $266.8M | $355.7M | 24.68% | 3.00% | 1.80% |
| Q3 2025 | $282.3M | $361.9M | 26.38% | 2.62% | 1.65% |
| Q4 2025 | $289.7M | $357.8M | 26.08% | 3.14% | 1.63% |
| Q1 2026 | $309.4M | $372.0M | 25.12% | 4.04% | 1.49% |
| Q2 2026 | $307.9M | $359.7M | 25.49% | 3.60% | 1.44% |
Bank of Zachary loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Zachary, 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 Zachary profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 306) · FFIEC NIC profile (RSSD 860334)