Community First 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.
Construction concentration (tier 1 capital + allowance) climbed 6.34 percentage points in Q2 2026, from 77.58% to 83.92%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Community First Bank is 60th of 103 on loan-to-deposit ratio, 76.28% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community First Bank sits 4.56 points lower, at 76.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $539.2M |
| Net loans and leases | $531.5M |
| Loans held for sale | $0 |
| Loans to total assets | 68.98% |
| Loan-to-deposit ratio | 76.28% |
| Net loans to equity capital | 7.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.57% |
| Multifamily (5+ residential) | 1.59% |
| Commercial and industrial | 13.94% |
| Consumer | 3.46% |
| Credit cards | 0.00% |
| Farm | 0.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 307.63% |
| Construction concentration (Tier 1 capital + allowance) | 83.92% |
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 | 6.51% |
| Interest income on loans | $8.8M |
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 | $487.1M | $562.0M | 32.57% | 15.52% | 4.29% |
| Q4 2023 | $502.1M | $583.2M | 32.32% | 14.34% | 4.19% |
| Q1 2024 | $512.9M | $611.5M | 33.84% | 13.95% | 4.08% |
| Q2 2024 | $525.6M | $599.5M | 33.61% | 14.08% | 4.07% |
| Q3 2024 | $534.5M | $593.7M | 34.16% | 13.39% | 4.01% |
| Q4 2024 | $526.3M | $605.5M | 35.10% | 12.43% | 4.01% |
| Q1 2025 | $528.4M | $655.1M | 37.01% | 11.68% | 3.87% |
| Q2 2025 | $525.2M | $651.6M | 31.72% | 14.57% | 3.86% |
| Q3 2025 | $534.2M | $652.7M | 33.69% | 13.11% | 3.71% |
| Q4 2025 | $538.7M | $671.7M | 34.81% | 14.25% | 3.62% |
| Q1 2026 | $534.2M | $718.5M | 35.85% | 13.78% | 3.51% |
| Q2 2026 | $539.2M | $706.8M | 36.57% | 13.94% | 3.46% |
Community First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First 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 Community First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35020) · FFIEC NIC profile (RSSD 2775179)