Catalyst 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 Construction concentration (Tier 1 capital + allowance): 5.20 percentage points lower than in Q1 2026, at 20.08%. Catalyst Bank ranks 51st of 102 Louisiana banks on loan-to-deposit ratio, in the upper half at 80.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Catalyst Bank reported 80.93% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $162.8M |
| Net loans and leases | $160.6M |
| Loans held for sale | $0 |
| Loans to total assets | 56.76% |
| Loan-to-deposit ratio | 80.93% |
| Net loans to equity capital | 2.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.99% |
| Multifamily (5+ residential) | 2.90% |
| Commercial and industrial | 16.13% |
| Consumer | 1.07% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.24% |
| Construction concentration (Tier 1 capital + allowance) | 20.08% |
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 | 6.57% |
| Interest income on loans | $2.7M |
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 | $135.7M | $166.6M | 14.09% | 14.47% | 2.14% |
| Q4 2023 | $144.9M | $168.1M | 14.82% | 13.79% | 1.80% |
| Q1 2024 | $143.5M | $175.2M | 14.73% | 10.95% | 1.77% |
| Q2 2024 | $153.3M | $184.6M | 15.05% | 15.60% | 1.47% |
| Q3 2024 | $165.9M | $171.3M | 13.69% | 15.98% | 1.39% |
| Q4 2024 | $167.1M | $188.4M | 13.23% | 15.82% | 1.15% |
| Q1 2025 | $166.1M | $182.5M | 13.31% | 15.32% | 1.16% |
| Q2 2025 | $167.6M | $188.5M | 20.28% | 14.94% | 1.36% |
| Q3 2025 | $164.8M | $192.5M | 20.44% | 15.58% | 1.72% |
| Q4 2025 | $170.2M | $190.7M | 19.31% | 18.33% | 1.11% |
| Q1 2026 | $163.7M | $200.6M | 20.57% | 15.66% | 1.06% |
| Q2 2026 | $162.8M | $201.2M | 22.99% | 16.13% | 1.07% |
Catalyst Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Catalyst 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 Catalyst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29804) · FFIEC NIC profile (RSSD 420578)