The Evangeline Bank and Trust Company: 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: 3.04 percentage points higher than in Q1 2026, at 104.42%. Among 103 Louisiana banks, The Evangeline Bank and Trust Company sits 5th from the top on loan-to-deposit ratio, 104.42% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Evangeline Bank and Trust Company sits 16.21 points higher, at 104.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $929.9M |
| Net loans and leases | $916.9M |
| Loans held for sale | $0 |
| Loans to total assets | 83.49% |
| Loan-to-deposit ratio | 104.42% |
| Net loans to equity capital | 5.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.06% |
| Multifamily (5+ residential) | 4.11% |
| Commercial and industrial | 10.46% |
| Consumer | 3.42% |
| Credit cards | 0.22% |
| Farm | 5.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.37% |
| Construction concentration (Tier 1 capital + allowance) | 70.98% |
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 | 6.97% |
| Interest income on loans | $16.1M |
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 | $835.7M | $756.1M | 27.89% | 9.39% | 3.91% |
| Q4 2023 | $835.8M | $767.1M | 27.94% | 9.37% | 3.90% |
| Q1 2024 | $844.3M | $784.1M | 27.85% | 9.35% | 3.87% |
| Q2 2024 | $866.6M | $811.4M | 27.11% | 9.17% | 3.82% |
| Q3 2024 | $886.7M | $811.4M | 28.27% | 9.47% | 3.74% |
| Q4 2024 | $878.9M | $857.0M | 29.18% | 9.27% | 3.79% |
| Q1 2025 | $898.7M | $862.9M | 28.63% | 9.79% | 3.70% |
| Q2 2025 | $913.5M | $878.4M | 28.56% | 9.58% | 3.66% |
| Q3 2025 | $920.9M | $888.2M | 29.08% | 9.15% | 3.65% |
| Q4 2025 | $907.4M | $900.2M | 28.32% | 9.49% | 3.69% |
| Q1 2026 | $910.2M | $897.9M | 28.75% | 9.63% | 3.57% |
| Q2 2026 | $929.9M | $890.6M | 28.06% | 10.46% | 3.42% |
The Evangeline Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Evangeline Bank and Trust Company, 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 The Evangeline Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12611) · FFIEC NIC profile (RSSD 372538)