First National Bank in Deridder: 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 Construction concentration (Tier 1 capital + allowance): 7.86 percentage points higher than in Q1 2026, at 70.06%. First National Bank in Deridder ranks 77th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 66.12% (Q2 2026). First National Bank in Deridder reported 66.12% on loan-to-deposit ratio for Q2 2026, 14.83 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $250.7M |
| Net loans and leases | $248.0M |
| Loans held for sale | $0 |
| Loans to total assets | 59.83% |
| Loan-to-deposit ratio | 66.12% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.51% |
| Multifamily (5+ residential) | 1.47% |
| Commercial and industrial | 9.56% |
| Consumer | 4.96% |
| Credit cards | 0.19% |
| Farm | 2.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.34% |
| Construction concentration (Tier 1 capital + allowance) | 70.06% |
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 | 6.68% |
| Interest income on loans | $4.1M |
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 | $227.1M | $330.5M | 22.77% | 9.45% | 5.10% |
| Q4 2023 | $229.6M | $353.0M | 22.62% | 9.32% | 5.02% |
| Q1 2024 | $229.7M | $353.7M | 22.63% | 9.39% | 4.82% |
| Q2 2024 | $233.9M | $343.3M | 22.66% | 9.13% | 4.77% |
| Q3 2024 | $232.9M | $339.4M | 22.04% | 9.32% | 4.85% |
| Q4 2024 | $232.3M | $369.8M | 22.25% | 9.04% | 4.87% |
| Q1 2025 | $236.5M | $358.5M | 21.49% | 10.16% | 4.82% |
| Q2 2025 | $240.1M | $354.9M | 22.58% | 10.25% | 4.88% |
| Q3 2025 | $241.6M | $347.0M | 22.29% | 10.10% | 4.69% |
| Q4 2025 | $239.5M | $377.8M | 22.06% | 9.86% | 5.09% |
| Q1 2026 | $244.3M | $385.8M | 23.38% | 10.13% | 5.05% |
| Q2 2026 | $250.7M | $379.2M | 23.51% | 9.56% | 4.96% |
First National Bank in Deridder loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Deridder, 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 National Bank in Deridder profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14427) · FFIEC NIC profile (RSSD 480433)