First American Bank and Trust: 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.
Construction concentration (tier 1 capital + allowance) climbed 5.46 percentage points in Q2 2026, from 39.70% to 45.16%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, First American Bank and Trust is 72nd of 103 on loan-to-deposit ratio, 70.56% as of Q2 2026, below the middle of the field. First American Bank and Trust reported 70.56% on loan-to-deposit ratio for Q2 2026, 17.64 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $853.4M |
| Net loans and leases | $841.1M |
| Loans held for sale | $0 |
| Loans to total assets | 61.77% |
| Loan-to-deposit ratio | 70.56% |
| Net loans to equity capital | 5.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.91% |
| Multifamily (5+ residential) | 4.01% |
| Commercial and industrial | 4.52% |
| Consumer | 1.26% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.39% |
| Construction concentration (Tier 1 capital + allowance) | 45.16% |
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 | 6.06% |
| Interest income on loans | $12.9M |
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 | $838.8M | $1.18B | 22.40% | 4.31% | 1.66% |
| Q4 2023 | $844.1M | $1.20B | 22.30% | 4.17% | 1.67% |
| Q1 2024 | $833.2M | $1.20B | 22.41% | 4.25% | 1.65% |
| Q2 2024 | $835.6M | $1.18B | 22.51% | 3.99% | 1.65% |
| Q3 2024 | $839.7M | $1.17B | 22.02% | 4.08% | 1.67% |
| Q4 2024 | $833.5M | $1.23B | 21.19% | 4.31% | 1.65% |
| Q1 2025 | $836.6M | $1.21B | 21.90% | 4.24% | 1.55% |
| Q2 2025 | $845.9M | $1.19B | 21.96% | 4.54% | 1.58% |
| Q3 2025 | $852.1M | $1.16B | 22.63% | 4.98% | 1.58% |
| Q4 2025 | $848.2M | $1.19B | 22.87% | 4.69% | 1.59% |
| Q1 2026 | $853.0M | $1.22B | 23.76% | 4.31% | 1.31% |
| Q2 2026 | $853.4M | $1.21B | 22.91% | 4.52% | 1.26% |
First American Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and Trust, 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 First American Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8149) · FFIEC NIC profile (RSSD 101037)