Delta 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.
Loan-to-deposit ratio climbed 5.08 percentage points in Q2 2026, from 79.91% to 84.99%. It was the largest change from Q1 2026 among the key lines here. Delta Bank ranks 43rd of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 84.99% (Q2 2026). Delta Bank reported 84.99% on loan-to-deposit ratio for Q2 2026, 4.16 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $474.7M |
| Net loans and leases | $471.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.11% |
| Loan-to-deposit ratio | 84.99% |
| Net loans to equity capital | 7.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.17% |
| Multifamily (5+ residential) | 0.13% |
| Commercial and industrial | 8.05% |
| Consumer | 1.64% |
| Credit cards | 0.00% |
| Farm | 13.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.94% |
| Construction concentration (Tier 1 capital + allowance) | 25.84% |
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 | $7.9M |
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 | $367.0M | $512.0M | 19.76% | 10.96% | 2.40% |
| Q4 2023 | $374.9M | $490.6M | 19.29% | 11.61% | 2.38% |
| Q1 2024 | $390.8M | $480.6M | 20.44% | 11.25% | 2.19% |
| Q2 2024 | $434.0M | $494.0M | 18.56% | 10.05% | 1.95% |
| Q3 2024 | $444.2M | $493.7M | 19.14% | 10.41% | 1.92% |
| Q4 2024 | $406.6M | $487.9M | 21.43% | 10.98% | 2.02% |
| Q1 2025 | $426.0M | $527.7M | 20.78% | 9.59% | 1.97% |
| Q2 2025 | $467.2M | $526.9M | 19.45% | 9.47% | 1.86% |
| Q3 2025 | $445.7M | $532.0M | 20.93% | 9.17% | 1.84% |
| Q4 2025 | $433.6M | $539.3M | 21.44% | 9.76% | 1.87% |
| Q1 2026 | $444.7M | $556.5M | 19.95% | 9.13% | 1.77% |
| Q2 2026 | $474.7M | $558.5M | 19.17% | 8.05% | 1.64% |
Delta Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Delta 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 Delta Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26564) · FFIEC NIC profile (RSSD 975256)