Basile State Bank: 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): 5.49 percentage points higher than in Q1 2026, at 71.30%. Within Louisiana, Basile State Bank is 25th of 102 on loan-to-deposit ratio, 91.29% as of Q2 2026. Basile State Bank reported 91.29% on loan-to-deposit ratio for Q2 2026, 23.97 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $71.2M |
| Net loans and leases | $70.5M |
| Loans held for sale | $0 |
| Loans to total assets | 81.45% |
| Loan-to-deposit ratio | 91.29% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.46% |
| Multifamily (5+ residential) | 0.38% |
| Commercial and industrial | 5.70% |
| Consumer | 7.85% |
| Credit cards | 0.00% |
| Farm | 6.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.30% |
| Construction concentration (Tier 1 capital + allowance) | 45.28% |
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 | 8.21% |
| Interest income on loans | $1.4M |
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 | $50.1M | $57.0M | 8.36% | 3.81% | 11.59% |
| Q4 2023 | $54.4M | $58.7M | 9.42% | 3.58% | 10.41% |
| Q1 2024 | $58.3M | $66.2M | 9.74% | 5.67% | 10.05% |
| Q2 2024 | $61.6M | $64.5M | 9.22% | 5.30% | 9.16% |
| Q3 2024 | $61.0M | $63.5M | 9.28% | 5.47% | 8.82% |
| Q4 2024 | $61.9M | $67.1M | 9.44% | 5.93% | 8.16% |
| Q1 2025 | $62.4M | $72.6M | 9.80% | 6.11% | 8.42% |
| Q2 2025 | $62.7M | $73.2M | 9.81% | 6.59% | 8.09% |
| Q3 2025 | $65.7M | $73.2M | 9.49% | 6.24% | 8.23% |
| Q4 2025 | $67.9M | $71.6M | 11.15% | 6.45% | 8.83% |
| Q1 2026 | $68.1M | $79.2M | 11.29% | 5.91% | 8.26% |
| Q2 2026 | $71.2M | $78.0M | 11.46% | 5.70% | 7.85% |
Basile State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Basile State Bank, 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 Basile State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17621) · FFIEC NIC profile (RSSD 188739)