Caldwell Bank & 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.
Loan-to-deposit ratio climbed 4.90 percentage points in Q2 2026, from 83.73% to 88.63%. It was the largest change from Q1 2026 among the key lines here. Caldwell Bank & Trust Company ranks 34th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 88.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Caldwell Bank & Trust Company sits 7.79 points higher, at 88.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $228.3M |
| Net loans and leases | $225.7M |
| Loans held for sale | $0 |
| Loans to total assets | 76.47% |
| Loan-to-deposit ratio | 88.63% |
| Net loans to equity capital | 7.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.81% |
| Multifamily (5+ residential) | 1.69% |
| Commercial and industrial | 4.61% |
| Consumer | 4.51% |
| Credit cards | 0.00% |
| Farm | 22.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.35% |
| Construction concentration (Tier 1 capital + allowance) | 36.46% |
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 | 8.05% |
| Interest income on loans | $4.4M |
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 | $180.3M | $217.4M | 20.46% | 4.49% | 3.48% |
| Q4 2023 | $174.9M | $218.0M | 22.21% | 6.51% | 3.78% |
| Q1 2024 | $188.7M | $215.1M | 21.56% | 5.58% | 3.38% |
| Q2 2024 | $218.6M | $251.4M | 25.66% | 4.42% | 3.12% |
| Q3 2024 | $221.9M | $264.4M | 26.58% | 4.17% | 3.33% |
| Q4 2024 | $211.5M | $248.3M | 28.24% | 4.32% | 3.59% |
| Q1 2025 | $225.4M | $260.0M | 27.47% | 3.89% | 3.32% |
| Q2 2025 | $236.7M | $257.9M | 25.47% | 3.86% | 3.08% |
| Q3 2025 | $230.1M | $249.7M | 26.48% | 4.04% | 3.28% |
| Q4 2025 | $203.6M | $251.9M | 24.10% | 5.03% | 3.76% |
| Q1 2026 | $217.3M | $259.5M | 22.42% | 5.30% | 3.72% |
| Q2 2026 | $228.3M | $257.6M | 20.81% | 4.61% | 4.51% |
Caldwell Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Caldwell Bank & 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 Caldwell Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11785) · FFIEC NIC profile (RSSD 925354)