Crescent 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.
Yield on loans dropped 8.85 percentage points in Q2 2026, from 15.48% to 6.63%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Crescent Bank is 7th from the bottom among 103 Louisiana banks, 44.24% (Q2 2026). Crescent Bank reported 44.24% on loan-to-deposit ratio for Q2 2026, 43.96 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $389.4M |
| Net loans and leases | $384.3M |
| Loans held for sale | $0 |
| Loans to total assets | 36.56% |
| Loan-to-deposit ratio | 44.24% |
| Net loans to equity capital | 2.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.54% |
| Multifamily (5+ residential) | 1.43% |
| Commercial and industrial | 12.20% |
| Consumer | 17.48% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.32% |
| Construction concentration (Tier 1 capital + allowance) | 1.03% |
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 | — |
| Interest income on loans | $5.9M |
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 | $1.23B | $1.29B | 2.47% | 1.57% | 93.01% |
| Q4 2023 | $1.21B | $1.25B | 2.21% | 1.72% | 93.30% |
| Q1 2024 | $1.18B | $1.19B | 2.28% | 1.88% | 93.01% |
| Q2 2024 | $1.14B | $1.15B | 2.22% | 1.77% | 93.27% |
| Q3 2024 | $1.08B | $1.10B | 2.32% | 2.16% | 92.65% |
| Q4 2024 | $1.00B | $1.00B | 1.89% | 2.29% | 92.76% |
| Q1 2025 | $938.6M | $934.2M | 1.19% | 2.46% | 92.86% |
| Q2 2025 | $909.4M | $908.9M | 1.00% | 3.84% | 91.64% |
| Q3 2025 | $824.2M | $871.3M | 1.18% | 3.75% | 91.27% |
| Q4 2025 | $770.6M | $845.0M | 2.64% | 3.49% | 89.28% |
| Q1 2026 | $327.9M | $832.9M | 12.04% | 9.01% | 10.11% |
| Q2 2026 | $389.4M | $880.1M | 10.54% | 12.20% | 17.48% |
Crescent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crescent 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 Crescent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33492) · FFIEC NIC profile (RSSD 1885932)