Guaranty Bank & Trust Company of Delhi: 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): 3.41 percentage points higher than in Q1 2026, at 132.73%. Guaranty Bank & Trust Company of Delhi ranks 53rd of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 80.82% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Guaranty Bank & Trust Company of Delhi reported 80.82% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $332.7M |
| Net loans and leases | $330.9M |
| Loans held for sale | $0 |
| Loans to total assets | 72.73% |
| Loan-to-deposit ratio | 80.82% |
| Net loans to equity capital | 8.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.95% |
| Multifamily (5+ residential) | 4.28% |
| Commercial and industrial | 4.18% |
| Consumer | 1.38% |
| Credit cards | 0.26% |
| Farm | 3.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.73% |
| Construction concentration (Tier 1 capital + allowance) | 23.50% |
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 | 7.57% |
| Interest income on loans | $6.2M |
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 | $295.5M | $323.0M | 27.45% | 2.65% | 1.65% |
| Q4 2023 | $300.7M | $333.9M | 26.90% | 2.40% | 1.59% |
| Q1 2024 | $308.5M | $340.8M | 26.14% | 2.31% | 1.72% |
| Q2 2024 | $311.6M | $336.6M | 26.74% | 2.42% | 1.71% |
| Q3 2024 | $320.7M | $340.6M | 26.66% | 2.33% | 1.69% |
| Q4 2024 | $320.6M | $359.4M | 27.62% | 2.45% | 2.01% |
| Q1 2025 | $328.1M | $371.7M | 28.63% | 2.58% | 1.83% |
| Q2 2025 | $329.9M | $381.3M | 30.00% | 2.69% | 1.57% |
| Q3 2025 | $331.8M | $383.0M | 30.28% | 2.51% | 1.57% |
| Q4 2025 | $333.8M | $402.8M | 30.15% | 2.62% | 1.52% |
| Q1 2026 | $328.3M | $405.5M | 29.62% | 2.59% | 1.50% |
| Q2 2026 | $332.7M | $411.6M | 28.95% | 4.18% | 1.38% |
Guaranty Bank & Trust Company of Delhi loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank & Trust Company of Delhi, 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 Guaranty Bank & Trust Company of Delhi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19638) · FFIEC NIC profile (RSSD 969255)