Hodge 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 dropped 2.86 percentage points in Q2 2026, from 83.04% to 80.18%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Hodge Bank & Trust Company is 54th of 103 on loan-to-deposit ratio, 80.18% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Hodge Bank & Trust Company reported 80.18% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.8M |
| Net loans and leases | $85.5M |
| Loans held for sale | $0 |
| Loans to total assets | 68.03% |
| Loan-to-deposit ratio | 80.18% |
| Net loans to equity capital | 4.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.32% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 26.95% |
| Consumer | 11.01% |
| Credit cards | 0.00% |
| Farm | 0.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.83% |
| Construction concentration (Tier 1 capital + allowance) | 35.65% |
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 | 8.15% |
| Interest income on loans | $1.7M |
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 | $55.1M | $78.8M | 17.01% | 22.16% | 15.16% |
| Q4 2023 | $57.0M | $81.7M | 16.92% | 24.36% | 14.48% |
| Q1 2024 | $60.1M | $83.4M | 16.91% | 25.64% | 14.56% |
| Q2 2024 | $61.6M | $82.0M | 17.30% | 25.45% | 14.55% |
| Q3 2024 | $64.3M | $80.6M | 15.82% | 26.01% | 14.12% |
| Q4 2024 | $69.3M | $81.8M | 18.02% | 25.87% | 13.92% |
| Q1 2025 | $69.3M | $84.0M | 18.56% | 24.32% | 13.90% |
| Q2 2025 | $71.8M | $85.0M | 18.11% | 23.66% | 14.26% |
| Q3 2025 | $79.1M | $89.8M | 17.99% | 26.59% | 13.44% |
| Q4 2025 | $81.6M | $98.5M | 17.78% | 25.07% | 12.81% |
| Q1 2026 | $84.1M | $101.3M | 20.47% | 25.50% | 11.64% |
| Q2 2026 | $86.8M | $108.3M | 19.32% | 26.95% | 11.01% |
Hodge Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hodge 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 Hodge Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19354) · FFIEC NIC profile (RSSD 931355)