Concordia 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.
Cre concentration (tier 1 capital + allowance) dropped 5.93 percentage points in Q2 2026, from 130.64% to 124.71%. It was the largest change from Q1 2026 among the key lines here. Concordia Bank & Trust Company ranks 83rd of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 61.53% (Q2 2026). Concordia Bank & Trust Company reported 61.53% on loan-to-deposit ratio for Q2 2026, 19.31 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $360.4M |
| Net loans and leases | $356.5M |
| Loans held for sale | $0 |
| Loans to total assets | 54.03% |
| Loan-to-deposit ratio | 61.53% |
| Net loans to equity capital | 5.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.26% |
| Multifamily (5+ residential) | 5.16% |
| Commercial and industrial | 5.10% |
| Consumer | 3.60% |
| Credit cards | 0.00% |
| Farm | 6.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.71% |
| Construction concentration (Tier 1 capital + allowance) | 37.28% |
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 | 6.53% |
| Interest income on loans | $6.0M |
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 | $364.2M | $565.0M | 44.99% | 4.80% | 3.65% |
| Q4 2023 | $369.7M | $569.3M | 45.57% | 5.08% | 3.67% |
| Q1 2024 | $377.2M | $569.8M | 48.17% | 5.05% | 3.54% |
| Q2 2024 | $375.4M | $553.2M | 48.42% | 5.03% | 3.54% |
| Q3 2024 | $375.7M | $555.3M | 48.39% | 4.83% | 3.42% |
| Q4 2024 | $369.1M | $565.3M | 48.52% | 4.84% | 3.31% |
| Q1 2025 | $368.3M | $565.2M | 48.04% | 5.69% | 3.33% |
| Q2 2025 | $370.9M | $556.0M | 47.61% | 5.64% | 3.26% |
| Q3 2025 | $356.1M | $561.4M | 47.58% | 5.54% | 3.96% |
| Q4 2025 | $368.3M | $569.3M | 49.29% | 5.08% | 3.69% |
| Q1 2026 | $363.4M | $591.7M | 49.88% | 5.22% | 3.70% |
| Q2 2026 | $360.4M | $585.7M | 50.26% | 5.10% | 3.60% |
Concordia Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Concordia 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 Concordia Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8527) · FFIEC NIC profile (RSSD 819556)