Fidelity Bank: 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 Loans held for sale: 100.0% lower than in Q1 2026, at $0. Within Louisiana, Fidelity Bank is 39th of 103 on loan-to-deposit ratio, 86.99% as of Q2 2026, above the middle of the field. At 86.99%, Fidelity Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $746.0M |
| Net loans and leases | $739.2M |
| Loans held for sale | $0 |
| Loans to total assets | 60.83% |
| Loan-to-deposit ratio | 86.99% |
| Net loans to equity capital | 3.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.84% |
| Multifamily (5+ residential) | 4.61% |
| Commercial and industrial | 11.62% |
| Consumer | 1.99% |
| Credit cards | 0.22% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.68% |
| Construction concentration (Tier 1 capital + allowance) | 14.20% |
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 | — |
| Interest income on loans | $13.0M |
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 | $676.0M | $813.5M | 22.88% | 8.21% | 0.89% |
| Q4 2023 | $688.9M | $781.4M | 25.50% | 6.69% | 0.86% |
| Q1 2024 | $721.2M | $781.2M | 25.39% | 6.16% | 0.80% |
| Q2 2024 | $758.5M | $780.4M | 24.68% | 7.54% | 0.75% |
| Q3 2024 | $767.4M | $1.01B | 24.29% | 7.83% | 0.73% |
| Q4 2024 | $783.7M | $901.3M | 23.53% | 9.05% | 0.71% |
| Q1 2025 | $792.2M | $917.6M | 24.53% | 9.79% | 0.59% |
| Q2 2025 | $802.0M | $919.2M | 23.76% | 10.02% | 0.58% |
| Q3 2025 | $802.0M | $936.5M | 23.03% | 9.09% | 0.58% |
| Q4 2025 | $773.1M | $915.5M | 23.09% | 9.84% | 0.61% |
| Q1 2026 | $776.5M | $911.4M | 25.97% | 10.53% | 0.56% |
| Q2 2026 | $746.0M | $857.6M | 26.84% | 11.62% | 1.99% |
Fidelity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank, 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 Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28316) · FFIEC NIC profile (RSSD 255574)