First National Bank USA: 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 CRE concentration (Tier 1 capital + allowance): 4.96 percentage points lower than in Q1 2026, at 131.83%. Within Louisiana, First National Bank USA is 89th of 103 on loan-to-deposit ratio, 53.28% as of Q2 2026, below the middle of the field. First National Bank USA reported 53.28% on loan-to-deposit ratio for Q2 2026, 27.66 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $113.5M |
| Net loans and leases | $112.1M |
| Loans held for sale | $127K |
| Loans to total assets | 45.58% |
| Loan-to-deposit ratio | 53.28% |
| Net loans to equity capital | 3.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.83% |
| Multifamily (5+ residential) | 7.11% |
| Commercial and industrial | 3.60% |
| Consumer | 0.78% |
| Credit cards | 0.44% |
| Farm | 0.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.83% |
| Construction concentration (Tier 1 capital + allowance) | 61.28% |
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 | 6.92% |
| Interest income on loans | $2.0M |
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 | $95.6M | $176.9M | 28.98% | 2.18% | 1.05% |
| Q4 2023 | $94.8M | $177.8M | 29.17% | 2.12% | 1.13% |
| Q1 2024 | $94.0M | $169.0M | 29.77% | 2.24% | 1.18% |
| Q2 2024 | $94.2M | $173.6M | 29.54% | 2.05% | 1.16% |
| Q3 2024 | $95.8M | $174.0M | 28.85% | 2.44% | 1.11% |
| Q4 2024 | $104.1M | $177.5M | 26.07% | 2.88% | 1.11% |
| Q1 2025 | $106.3M | $188.2M | 26.29% | 4.34% | 1.04% |
| Q2 2025 | $108.3M | $192.4M | 25.44% | 4.37% | 0.83% |
| Q3 2025 | $109.0M | $184.6M | 26.25% | 4.26% | 0.80% |
| Q4 2025 | $110.8M | $191.4M | 25.87% | 5.48% | 0.79% |
| Q1 2026 | $114.5M | $205.1M | 28.77% | 3.81% | 0.76% |
| Q2 2026 | $113.5M | $213.1M | 28.83% | 3.60% | 0.78% |
First National Bank USA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank USA, 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 USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22046) · FFIEC NIC profile (RSSD 714839)