The First National Bank of Jeanerette: 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) dropped 17.54 percentage points in Q2 2026, from 107.55% to 90.01%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Jeanerette ranks 17th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 95.04% (Q2 2026). The First National Bank of Jeanerette reported 95.04% on loan-to-deposit ratio for Q2 2026, 14.20 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $549.1M |
| Net loans and leases | $540.9M |
| Loans held for sale | $0 |
| Loans to total assets | 84.94% |
| Loan-to-deposit ratio | 95.04% |
| Net loans to equity capital | 8.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.03% |
| Multifamily (5+ residential) | 6.47% |
| Commercial and industrial | 13.20% |
| Consumer | 2.27% |
| Credit cards | 0.00% |
| Farm | 0.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.33% |
| Construction concentration (Tier 1 capital + allowance) | 90.01% |
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 | $9.5M |
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 | $337.9M | $388.1M | 26.61% | 10.34% | 2.62% |
| Q4 2023 | $340.0M | $407.0M | 28.19% | 10.54% | 2.68% |
| Q1 2024 | $373.8M | $413.0M | 29.66% | 10.97% | 2.29% |
| Q2 2024 | $376.0M | $399.4M | 30.94% | 11.13% | 2.47% |
| Q3 2024 | $406.4M | $430.4M | 31.32% | 12.58% | 2.48% |
| Q4 2024 | $423.5M | $472.8M | 32.32% | 12.71% | 2.28% |
| Q1 2025 | $452.0M | $490.6M | 32.32% | 12.42% | 2.25% |
| Q2 2025 | $486.0M | $508.1M | 31.40% | 13.29% | 2.23% |
| Q3 2025 | $496.8M | $538.3M | 30.70% | 12.77% | 2.39% |
| Q4 2025 | $500.6M | $569.6M | 29.77% | 14.85% | 2.42% |
| Q1 2026 | $534.6M | $575.7M | 28.64% | 13.98% | 2.31% |
| Q2 2026 | $549.1M | $577.8M | 31.03% | 13.20% | 2.27% |
The First National Bank of Jeanerette loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Jeanerette, 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 The First National Bank of Jeanerette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4290) · FFIEC NIC profile (RSSD 622037)