Feliciana Bank & 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): 26.09 percentage points higher than in Q1 2026, at 128.60%. Feliciana Bank & Trust Company ranks 19th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 93.51% (Q2 2026). Feliciana Bank & Trust Company reported 93.51% on loan-to-deposit ratio for Q2 2026, 12.67 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.6M |
| Net loans and leases | $134.6M |
| Loans held for sale | $0 |
| Loans to total assets | 75.71% |
| Loan-to-deposit ratio | 93.51% |
| Net loans to equity capital | 7.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.65% |
| Multifamily (5+ residential) | 0.36% |
| Commercial and industrial | 5.68% |
| Consumer | 3.63% |
| Credit cards | 0.00% |
| Farm | 10.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.60% |
| Construction concentration (Tier 1 capital + allowance) | 116.74% |
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 | 7.47% |
| Interest income on loans | $2.5M |
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 | $108.9M | $124.8M | 17.89% | 7.42% | 3.80% |
| Q4 2023 | $114.5M | $124.1M | 18.02% | 7.52% | 3.81% |
| Q1 2024 | $118.1M | $130.4M | 17.58% | 7.03% | 3.83% |
| Q2 2024 | $122.2M | $135.5M | 19.44% | 6.95% | 3.77% |
| Q3 2024 | $126.5M | $135.3M | 19.45% | 7.00% | 3.95% |
| Q4 2024 | $123.0M | $139.8M | 19.33% | 6.96% | 4.01% |
| Q1 2025 | $121.1M | $142.6M | 19.72% | 5.90% | 3.88% |
| Q2 2025 | $124.7M | $141.2M | 19.35% | 6.07% | 3.85% |
| Q3 2025 | $123.2M | $142.0M | 18.83% | 6.06% | 3.90% |
| Q4 2025 | $123.6M | $140.0M | 16.23% | 6.09% | 3.79% |
| Q1 2026 | $128.2M | $144.2M | 15.58% | 5.99% | 3.62% |
| Q2 2026 | $136.6M | $146.1M | 16.65% | 5.68% | 3.63% |
Feliciana Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Feliciana Bank & 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 Feliciana Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1380) · FFIEC NIC profile (RSSD 879439)