Bom 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.
Cre concentration (tier 1 capital + allowance) climbed 9.65 percentage points in Q2 2026, from 200.98% to 210.63%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Bom Bank is 37th of 103 on loan-to-deposit ratio, 87.30% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Bom Bank reported 87.30% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.21B |
| Net loans and leases | $1.20B |
| Loans held for sale | $294K |
| Loans to total assets | 75.12% |
| Loan-to-deposit ratio | 87.30% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.42% |
| Multifamily (5+ residential) | 1.89% |
| Commercial and industrial | 13.24% |
| Consumer | 1.21% |
| Credit cards | 0.00% |
| Farm | 7.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 210.63% |
| Construction concentration (Tier 1 capital + allowance) | 65.90% |
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 | $19.8M |
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 | $748.1M | $855.2M | 40.62% | 9.68% | 1.83% |
| Q4 2023 | $764.8M | $872.1M | 40.47% | 9.73% | 1.73% |
| Q1 2024 | $809.5M | $918.6M | 39.67% | 10.19% | 1.57% |
| Q2 2024 | $832.4M | $976.8M | 40.26% | 9.63% | 1.58% |
| Q3 2024 | $873.2M | $1.07B | 38.83% | 10.22% | 1.61% |
| Q4 2024 | $1.05B | $1.29B | 40.97% | 12.60% | 1.58% |
| Q1 2025 | $1.02B | $1.19B | 41.52% | 11.70% | 1.54% |
| Q2 2025 | $1.04B | $1.17B | 40.99% | 12.34% | 1.46% |
| Q3 2025 | $1.07B | $1.23B | 41.43% | 12.58% | 1.42% |
| Q4 2025 | $1.13B | $1.33B | 40.77% | 12.38% | 1.39% |
| Q1 2026 | $1.15B | $1.32B | 40.21% | 12.77% | 1.27% |
| Q2 2026 | $1.21B | $1.38B | 40.42% | 13.24% | 1.21% |
Bom Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bom 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 Bom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1373) · FFIEC NIC profile (RSSD 684455)