City Bank & Trust Co.: 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): 18.86 percentage points higher than in Q1 2026, at 52.50%. City Bank & Trust Co. ranks 69th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 72.05% (Q2 2026). City Bank & Trust Co. reported 72.05% on loan-to-deposit ratio for Q2 2026, 8.78 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $240.7M |
| Net loans and leases | $238.3M |
| Loans held for sale | $0 |
| Loans to total assets | 63.00% |
| Loan-to-deposit ratio | 72.05% |
| Net loans to equity capital | 5.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.24% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.56% |
| Consumer | 2.87% |
| Credit cards | 0.00% |
| Farm | 3.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 111.16% |
| Construction concentration (Tier 1 capital + allowance) | 52.50% |
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 | 6.78% |
| Interest income on loans | $4.0M |
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 | $181.3M | $324.5M | 30.24% | 12.01% | 4.06% |
| Q4 2023 | $185.7M | $338.2M | 32.16% | 11.74% | 3.99% |
| Q1 2024 | $190.1M | $295.0M | 33.04% | 11.20% | 3.86% |
| Q2 2024 | $194.4M | $274.4M | 31.82% | 11.38% | 3.73% |
| Q3 2024 | $198.9M | $269.9M | 31.33% | 10.98% | 3.37% |
| Q4 2024 | $202.8M | $308.3M | 29.72% | 12.70% | 3.57% |
| Q1 2025 | $209.4M | $292.7M | 26.89% | 13.84% | 3.53% |
| Q2 2025 | $218.7M | $305.5M | 28.02% | 14.30% | 3.24% |
| Q3 2025 | $235.4M | $312.2M | 29.68% | 15.03% | 2.91% |
| Q4 2025 | $231.6M | $336.1M | 28.82% | 14.14% | 2.97% |
| Q1 2026 | $226.6M | $330.7M | 29.52% | 13.61% | 3.08% |
| Q2 2026 | $240.7M | $334.0M | 26.24% | 14.56% | 2.87% |
City Bank & Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City Bank & Trust Co., 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 City Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12608) · FFIEC NIC profile (RSSD 841753)