First National 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.
Loan-to-deposit ratio climbed 4.87 percentage points in Q2 2026, from 78.17% to 83.03%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Louisiana ranks 48th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 83.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First National Bank of Louisiana reported 83.03% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $462.1M |
| Net loans and leases | $456.5M |
| Loans held for sale | $0 |
| Loans to total assets | 73.22% |
| Loan-to-deposit ratio | 83.03% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.30% |
| Multifamily (5+ residential) | 2.38% |
| Commercial and industrial | 28.54% |
| Consumer | 1.03% |
| Credit cards | 0.00% |
| Farm | 2.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 184.62% |
| Construction concentration (Tier 1 capital + allowance) | 55.37% |
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 | 6.57% |
| Interest income on loans | $7.4M |
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 | $355.6M | $473.9M | 34.63% | 27.63% | 1.36% |
| Q4 2023 | $370.7M | $495.5M | 37.93% | 26.14% | 1.35% |
| Q1 2024 | $374.6M | $479.4M | 39.77% | 25.00% | 1.27% |
| Q2 2024 | $378.8M | $488.0M | 39.86% | 25.45% | 1.05% |
| Q3 2024 | $379.2M | $475.4M | 40.57% | 24.34% | 1.03% |
| Q4 2024 | $382.6M | $495.2M | 41.14% | 24.31% | 1.00% |
| Q1 2025 | $385.8M | $487.8M | 39.02% | 26.56% | 0.96% |
| Q2 2025 | $392.9M | $520.9M | 38.50% | 28.00% | 1.04% |
| Q3 2025 | $405.8M | $507.5M | 39.30% | 28.09% | 1.22% |
| Q4 2025 | $417.3M | $512.4M | 38.72% | 28.70% | 1.17% |
| Q1 2026 | $434.3M | $555.6M | 39.56% | 27.63% | 1.12% |
| Q2 2026 | $462.1M | $556.5M | 39.30% | 28.54% | 1.03% |
First National Bank of Louisiana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National 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 National Bank of Louisiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4288) · FFIEC NIC profile (RSSD 575834)