Century Next 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): 1.76 percentage points lower than in Q1 2026, at 255.43%. Century Next Bank ranks 44th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 84.44% (Q2 2026). Century Next Bank reported 84.44% on loan-to-deposit ratio for Q2 2026, 3.60 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $671.6M |
| Net loans and leases | $664.2M |
| Loans held for sale | $435K |
| Loans to total assets | 73.29% |
| Loan-to-deposit ratio | 84.44% |
| Net loans to equity capital | 5.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.90% |
| Multifamily (5+ residential) | 3.87% |
| Commercial and industrial | 11.98% |
| Consumer | 1.65% |
| Credit cards | 0.00% |
| Farm | 1.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 255.43% |
| Construction concentration (Tier 1 capital + allowance) | 58.28% |
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 | 6.68% |
| Interest income on loans | $11.1M |
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 | $585.3M | $635.4M | 39.71% | 13.78% | 1.79% |
| Q4 2023 | $593.3M | $680.4M | 39.17% | 13.03% | 1.83% |
| Q1 2024 | $598.4M | $705.1M | 40.40% | 13.26% | 1.79% |
| Q2 2024 | $596.5M | $741.6M | 40.81% | 13.10% | 1.82% |
| Q3 2024 | $597.4M | $762.2M | 40.65% | 12.76% | 1.76% |
| Q4 2024 | $612.0M | $772.4M | 40.70% | 12.77% | 1.80% |
| Q1 2025 | $622.8M | $807.4M | 39.13% | 13.34% | 2.05% |
| Q2 2025 | $624.6M | $818.8M | 39.49% | 11.37% | 2.21% |
| Q3 2025 | $631.7M | $792.9M | 39.69% | 11.34% | 2.12% |
| Q4 2025 | $651.8M | $760.9M | 40.59% | 11.15% | 1.85% |
| Q1 2026 | $663.5M | $794.4M | 42.91% | 11.58% | 1.74% |
| Q2 2026 | $671.6M | $795.3M | 41.90% | 11.98% | 1.65% |
Century Next Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Next 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 Century Next Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29700) · FFIEC NIC profile (RSSD 345877)