First National Bankers Bank: 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.
Loans to total assets climbed 8.26 percentage points in Q2 2026, from 47.13% to 55.39%. It was the largest change from Q1 2026 among the key lines here. Among 103 Louisiana banks, First National Bankers Bank sits 2nd from the top on loan-to-deposit ratio, 141.83% as of Q2 2026. First National Bankers Bank's loan-to-deposit ratio of 141.83% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 60.99 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $544.5M |
| Net loans and leases | $527.2M |
| Loans held for sale | $0 |
| Loans to total assets | 55.39% |
| Loan-to-deposit ratio | 141.83% |
| Net loans to equity capital | 3.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.55% |
| Multifamily (5+ residential) | 8.66% |
| Commercial and industrial | 6.09% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.45% |
| Construction concentration (Tier 1 capital + allowance) | 31.49% |
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 | $8.4M |
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 | $688.3M | $372.8M | 48.68% | 9.37% | 0.00% |
| Q4 2023 | $724.2M | $331.8M | 47.74% | 9.26% | 0.00% |
| Q1 2024 | $613.4M | $347.0M | 48.58% | 3.01% | 0.00% |
| Q2 2024 | $667.3M | $338.4M | 47.20% | 10.73% | 0.00% |
| Q3 2024 | $647.6M | $361.8M | 46.77% | 11.51% | 0.00% |
| Q4 2024 | $677.8M | $337.3M | 45.45% | 13.38% | 0.00% |
| Q1 2025 | $592.6M | $371.5M | 52.42% | 3.50% | 0.00% |
| Q2 2025 | $562.0M | $344.8M | 53.75% | 3.79% | 0.00% |
| Q3 2025 | $551.0M | $411.8M | 55.38% | 4.34% | 0.00% |
| Q4 2025 | $548.0M | $451.6M | 55.37% | 6.55% | 0.00% |
| Q1 2026 | $547.3M | $390.6M | 53.54% | 6.22% | 0.00% |
| Q2 2026 | $544.5M | $383.9M | 53.55% | 6.09% | 0.00% |
First National Bankers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bankers Bank, 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 Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25247) · FFIEC NIC profile (RSSD 734538)