First Federal Bank of Louisiana: 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) dropped 11.53 percentage points in Q2 2026, from 151.78% to 140.25%. It was the largest change from Q1 2026 among the key lines here. First Federal Bank of Louisiana ranks 80th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 64.62% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Federal Bank of Louisiana sits 23.59 points lower, at 64.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $640.7M |
| Net loans and leases | $634.2M |
| Loans held for sale | $0 |
| Loans to total assets | 55.80% |
| Loan-to-deposit ratio | 64.62% |
| Net loans to equity capital | 5.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.71% |
| Multifamily (5+ residential) | 3.93% |
| Commercial and industrial | 5.77% |
| Consumer | 2.50% |
| Credit cards | 0.35% |
| Farm | 0.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.25% |
| Construction concentration (Tier 1 capital + allowance) | 48.39% |
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 | 5.59% |
| Interest income on loans | $8.9M |
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 | $626.8M | $989.5M | 30.54% | 4.90% | 2.30% |
| Q4 2023 | $642.6M | $984.4M | 32.14% | 5.44% | 2.35% |
| Q1 2024 | $653.7M | $1.00B | 31.75% | 5.14% | 2.32% |
| Q2 2024 | $657.7M | $967.4M | 31.51% | 5.16% | 2.35% |
| Q3 2024 | $670.7M | $976.3M | 31.46% | 5.46% | 2.44% |
| Q4 2024 | $666.0M | $1.00B | 31.07% | 5.70% | 2.54% |
| Q1 2025 | $667.6M | $1.02B | 31.39% | 5.40% | 2.49% |
| Q2 2025 | $675.5M | $985.1M | 31.37% | 5.96% | 2.33% |
| Q3 2025 | $671.5M | $988.0M | 31.12% | 6.26% | 2.37% |
| Q4 2025 | $660.1M | $975.7M | 30.77% | 6.13% | 2.30% |
| Q1 2026 | $638.2M | $1.02B | 33.30% | 5.80% | 2.36% |
| Q2 2026 | $640.7M | $991.6M | 35.71% | 5.77% | 2.50% |
First Federal Bank of Louisiana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank of Louisiana, 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 Federal Bank of Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30441) · FFIEC NIC profile (RSSD 517674)