Beauregard Federal Savings 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): 4.59 percentage points lower than in Q1 2026, at 136.80%. Within Louisiana, Beauregard Federal Savings Bank is 12th of 103 on loan-to-deposit ratio, 97.92% as of Q2 2026, above the middle of the field. Beauregard Federal Savings Bank reported 97.92% on loan-to-deposit ratio for Q2 2026, 16.97 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $83.2M |
| Net loans and leases | $82.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.13% |
| Loan-to-deposit ratio | 97.92% |
| Net loans to equity capital | 6.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.66% |
| Multifamily (5+ residential) | 3.48% |
| Commercial and industrial | 10.78% |
| Consumer | 5.55% |
| Credit cards | 0.00% |
| Farm | 3.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.80% |
| Construction concentration (Tier 1 capital + allowance) | 79.36% |
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 | 7.53% |
| Interest income on loans | $1.5M |
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 | $47.3M | $65.2M | 10.25% | 8.46% | 8.26% |
| Q4 2023 | $48.9M | $68.1M | 9.82% | 7.34% | 8.43% |
| Q1 2024 | $48.8M | $62.4M | 10.43% | 7.48% | 8.06% |
| Q2 2024 | $50.7M | $66.9M | 9.81% | 6.37% | 8.23% |
| Q3 2024 | $53.2M | $64.4M | 10.28% | 6.37% | 7.67% |
| Q4 2024 | $54.7M | $67.8M | 8.28% | 6.29% | 8.16% |
| Q1 2025 | $56.5M | $67.2M | 7.84% | 7.88% | 7.89% |
| Q2 2025 | $66.0M | $66.3M | 11.93% | 8.02% | 6.75% |
| Q3 2025 | $68.3M | $72.4M | 12.49% | 8.27% | 6.42% |
| Q4 2025 | $74.5M | $78.5M | 13.74% | 8.37% | 6.00% |
| Q1 2026 | $78.3M | $82.4M | 13.11% | 8.82% | 5.67% |
| Q2 2026 | $83.2M | $84.9M | 12.66% | 10.78% | 5.55% |
Beauregard Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Beauregard Federal Savings 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 Beauregard Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30339) · FFIEC NIC profile (RSSD 123374)