Currency 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 Loan-to-deposit ratio: 8.59 percentage points higher than in Q1 2026, at 94.40%. Within Louisiana, Currency Bank is 18th of 102 on loan-to-deposit ratio, 94.40% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Currency Bank sits 13.85 points higher, at 94.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $191.8M |
| Net loans and leases | $189.0M |
| Loans held for sale | $0 |
| Loans to total assets | 77.18% |
| Loan-to-deposit ratio | 94.40% |
| Net loans to equity capital | 4.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.26% |
| Multifamily (5+ residential) | 0.83% |
| Commercial and industrial | 35.66% |
| Consumer | 0.68% |
| Credit cards | 0.00% |
| Farm | 7.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.11% |
| Construction concentration (Tier 1 capital + allowance) | 63.34% |
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 | 7.24% |
| Interest income on loans | $3.3M |
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 | $120.5M | $143.3M | 33.92% | 36.73% | 0.85% |
| Q4 2023 | $124.2M | $152.7M | 32.93% | 38.15% | 0.93% |
| Q1 2024 | $121.7M | $152.5M | 27.86% | 40.35% | 0.84% |
| Q2 2024 | $127.3M | $146.4M | 27.93% | 36.90% | 1.19% |
| Q3 2024 | $132.7M | $160.4M | 32.47% | 34.57% | 0.72% |
| Q4 2024 | $130.1M | $164.8M | 34.99% | 36.16% | 0.58% |
| Q1 2025 | $138.5M | $162.0M | 41.47% | 30.22% | 0.55% |
| Q2 2025 | $163.4M | $224.4M | 35.14% | 34.99% | 0.66% |
| Q3 2025 | $170.6M | $212.9M | 34.16% | 36.10% | 0.62% |
| Q4 2025 | $164.2M | $203.5M | 35.84% | 31.97% | 0.84% |
| Q1 2026 | $179.6M | $209.3M | 34.77% | 33.41% | 0.78% |
| Q2 2026 | $191.8M | $203.2M | 31.26% | 35.66% | 0.68% |
Currency Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Currency 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 Currency Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35019) · FFIEC NIC profile (RSSD 2807173)