Fifth District Savings 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.
Cre concentration (tier 1 capital + allowance) climbed 5.46 percentage points in Q2 2026, from 24.93% to 30.39%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Fifth District Savings Bank is 15th of 103 on loan-to-deposit ratio, 95.23% as of Q2 2026, above the middle of the field. Fifth District Savings Bank reported 95.23% on loan-to-deposit ratio for Q2 2026, 14.39 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $395.0M |
| Net loans and leases | $393.3M |
| Loans held for sale | $0 |
| Loans to total assets | 74.29% |
| Loan-to-deposit ratio | 95.23% |
| Net loans to equity capital | 3.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.46% |
| Multifamily (5+ residential) | 0.61% |
| Commercial and industrial | 3.75% |
| Consumer | 1.74% |
| 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) | 30.39% |
| Construction concentration (Tier 1 capital + allowance) | 19.24% |
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 | 4.45% |
| Interest income on loans | $4.6M |
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 | $366.1M | $390.6M | 0.20% | 2.83% | 0.23% |
| Q4 2023 | $367.8M | $394.4M | 0.17% | 2.82% | 0.25% |
| Q1 2024 | $368.1M | $403.8M | 0.17% | 2.98% | 0.26% |
| Q2 2024 | $369.6M | $432.7M | 0.17% | 2.88% | 0.28% |
| Q3 2024 | $369.4M | $411.9M | 0.16% | 3.01% | 0.48% |
| Q4 2024 | $369.0M | $418.6M | 0.16% | 2.74% | 1.00% |
| Q1 2025 | $377.9M | $420.5M | 0.48% | 2.97% | 1.19% |
| Q2 2025 | $381.3M | $424.7M | 0.57% | 3.23% | 1.04% |
| Q3 2025 | $381.0M | $423.5M | 0.83% | 3.13% | 1.07% |
| Q4 2025 | $378.1M | $418.5M | 2.79% | 3.15% | 1.11% |
| Q1 2026 | $390.0M | $419.1M | 3.33% | 3.96% | 1.83% |
| Q2 2026 | $395.0M | $414.8M | 3.46% | 3.75% | 1.74% |
Fifth District Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fifth District Savings 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 Fifth District Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27697) · FFIEC NIC profile (RSSD 837970)