Eureka Homestead: 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: 7.58 percentage points higher than in Q1 2026, at 130.22%. On loan-to-deposit ratio, Eureka Homestead ranks 3rd highest among the 103 banks headquartered in Louisiana, at 130.22% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, Eureka Homestead reported 130.22% on loan-to-deposit ratio in Q2 2026, 62.60 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $75.2M |
| Net loans and leases | $74.4M |
| Loans held for sale | $0 |
| Loans to total assets | 84.17% |
| Loan-to-deposit ratio | 130.22% |
| Net loans to equity capital | 4.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 2.47% |
| Commercial and industrial | 0.00% |
| Consumer | 0.28% |
| 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) | 11.96% |
| Construction concentration (Tier 1 capital + allowance) | 2.34% |
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 | 4.17% |
| Interest income on loans | $776K |
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 | $85.9M | $64.2M | 1.63% | 0.00% | 0.22% |
| Q4 2023 | $86.9M | $66.6M | 1.60% | 0.00% | 0.22% |
| Q1 2024 | $87.1M | $66.2M | 1.58% | 0.00% | 0.22% |
| Q2 2024 | $86.4M | $66.3M | 1.57% | 0.00% | 0.24% |
| Q3 2024 | $85.5M | $70.7M | 1.57% | 0.00% | 0.24% |
| Q4 2024 | $82.8M | $70.8M | 1.61% | 0.00% | 0.26% |
| Q1 2025 | $81.1M | $67.7M | 0.00% | 0.00% | 0.26% |
| Q2 2025 | $80.3M | $67.1M | 0.00% | 0.00% | 0.26% |
| Q3 2025 | $79.2M | $66.8M | 0.00% | 0.00% | 0.26% |
| Q4 2025 | $78.0M | $65.0M | 0.00% | 0.00% | 0.28% |
| Q1 2026 | $78.0M | $63.6M | 0.00% | 0.00% | 0.27% |
| Q2 2026 | $75.2M | $57.8M | 0.00% | 0.00% | 0.28% |
Eureka Homestead loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eureka Homestead, 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 Eureka Homestead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29268) · FFIEC NIC profile (RSSD 794475)