Desjardins Bank, N.A.: 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 dropped 5.16 percentage points in Q2 2026, from 97.48% to 92.32%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Desjardins Bank, N.A. is 18th of 81 on loan-to-deposit ratio, 92.32% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Desjardins Bank, N.A. sits 11.48 points higher, at 92.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $270.4M |
| Net loans and leases | $267.6M |
| Loans held for sale | $0 |
| Loans to total assets | 74.68% |
| Loan-to-deposit ratio | 92.32% |
| Net loans to equity capital | 3.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.16% |
| Multifamily (5+ residential) | 0.86% |
| Commercial and industrial | 1.54% |
| Consumer | 1.11% |
| 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) | 3.93% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.48% |
| Interest income on loans | $3.6M |
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 | $261.6M | $271.8M | 0.25% | 0.62% | 2.06% |
| Q4 2023 | $264.1M | $261.4M | 0.25% | 0.65% | 1.79% |
| Q1 2024 | $259.0M | $250.1M | 0.19% | 0.60% | 1.74% |
| Q2 2024 | $263.5M | $243.5M | 0.19% | 0.54% | 2.13% |
| Q3 2024 | $267.4M | $259.9M | 0.18% | 1.30% | 1.56% |
| Q4 2024 | $270.2M | $276.6M | 0.18% | 1.28% | 1.35% |
| Q1 2025 | $270.4M | $245.7M | 0.17% | 1.38% | 1.09% |
| Q2 2025 | $266.0M | $254.7M | 0.17% | 1.48% | 1.23% |
| Q3 2025 | $264.7M | $257.4M | 0.17% | 1.55% | 1.17% |
| Q4 2025 | $271.6M | $285.8M | 0.16% | 1.62% | 1.13% |
| Q1 2026 | $265.5M | $272.4M | 0.16% | 1.40% | 1.20% |
| Q2 2026 | $270.4M | $292.9M | 0.16% | 1.54% | 1.11% |
Desjardins Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Desjardins Bank, N.A., 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 Desjardins Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33565) · FFIEC NIC profile (RSSD 1940747)