Exchange 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 CRE concentration (Tier 1 capital + allowance): 3.29 percentage points lower than in Q1 2026, at 43.97%. Within Louisiana, Exchange Bank and Trust Company is 88th of 103 on loan-to-deposit ratio, 54.38% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Exchange Bank and Trust Company sits 26.57 points lower, at 54.38% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $104.0M |
| Net loans and leases | $102.9M |
| Loans held for sale | $0 |
| Loans to total assets | 48.94% |
| Loan-to-deposit ratio | 54.38% |
| Net loans to equity capital | 5.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.44% |
| Multifamily (5+ residential) | 0.99% |
| Commercial and industrial | 1.28% |
| Consumer | 3.32% |
| Credit cards | 0.00% |
| Farm | 0.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.97% |
| Construction concentration (Tier 1 capital + allowance) | 28.14% |
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 | 6.94% |
| Interest income on loans | $1.8M |
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 | $85.3M | $157.0M | 18.48% | 2.91% | 4.06% |
| Q4 2023 | $86.7M | $155.3M | 18.03% | 3.07% | 3.87% |
| Q1 2024 | $88.3M | $171.4M | 18.50% | 2.76% | 4.44% |
| Q2 2024 | $88.6M | $169.4M | 18.27% | 2.85% | 3.85% |
| Q3 2024 | $91.5M | $161.7M | 19.04% | 2.88% | 3.85% |
| Q4 2024 | $92.0M | $159.2M | 19.26% | 2.35% | 3.51% |
| Q1 2025 | $94.8M | $186.0M | 17.95% | 2.26% | 3.38% |
| Q2 2025 | $98.1M | $178.4M | 18.01% | 2.05% | 3.39% |
| Q3 2025 | $97.3M | $162.9M | 18.71% | 2.43% | 3.49% |
| Q4 2025 | $99.4M | $169.1M | 19.74% | 2.19% | 2.99% |
| Q1 2026 | $102.6M | $200.5M | 16.94% | 1.00% | 3.34% |
| Q2 2026 | $104.0M | $191.3M | 18.44% | 1.28% | 3.32% |
Exchange Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10528) · FFIEC NIC profile (RSSD 985451)