Franklin State Bank & Trust Company: 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 5.92 percentage points in Q2 2026, from 57.08% to 62.99%. It was the largest change from Q1 2026 among the key lines here. Franklin State Bank & Trust Company ranks 82nd of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 62.99% (Q2 2026). Franklin State Bank & Trust Company reported 62.99% on loan-to-deposit ratio for Q2 2026, 17.84 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $126.1M |
| Net loans and leases | $124.5M |
| Loans held for sale | $0 |
| Loans to total assets | 56.14% |
| Loan-to-deposit ratio | 62.99% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.72% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.70% |
| Consumer | 7.56% |
| Credit cards | 0.00% |
| Farm | 20.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.15% |
| Construction concentration (Tier 1 capital + allowance) | 4.97% |
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 | $2.3M |
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 | $115.5M | $182.5M | 4.82% | 10.16% | 9.05% |
| Q4 2023 | $103.8M | $195.0M | 5.43% | 10.17% | 10.41% |
| Q1 2024 | $111.3M | $189.2M | 4.37% | 8.93% | 9.79% |
| Q2 2024 | $122.5M | $182.9M | 3.39% | 7.70% | 8.76% |
| Q3 2024 | $112.3M | $183.1M | 3.86% | 7.35% | 9.21% |
| Q4 2024 | $102.0M | $197.9M | 4.03% | 7.68% | 9.71% |
| Q1 2025 | $112.7M | $194.5M | 3.68% | 7.64% | 8.87% |
| Q2 2025 | $123.2M | $196.0M | 3.18% | 7.14% | 8.21% |
| Q3 2025 | $119.5M | $196.9M | 3.23% | 7.58% | 8.35% |
| Q4 2025 | $108.6M | $211.8M | 3.88% | 7.78% | 8.98% |
| Q1 2026 | $116.3M | $203.8M | 3.88% | 7.43% | 8.14% |
| Q2 2026 | $126.1M | $200.2M | 3.72% | 6.70% | 7.56% |
Franklin State Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin State Bank & Trust Company, 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 Franklin State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11792) · FFIEC NIC profile (RSSD 1006652)