Home Bank, N.A.: 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.
Construction concentration (tier 1 capital + allowance) dropped 4.48 percentage points in Q2 2026, from 73.34% to 68.86%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Home Bank, N.A. is 28th of 103 on loan-to-deposit ratio, 90.31% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Home Bank, N.A. reported 90.31% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.78B |
| Net loans and leases | $2.75B |
| Loans held for sale | $1.6M |
| Loans to total assets | 77.17% |
| Loan-to-deposit ratio | 90.31% |
| Net loans to equity capital | 5.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.72% |
| Multifamily (5+ residential) | 7.11% |
| Commercial and industrial | 13.00% |
| Consumer | 1.06% |
| Credit cards | 0.26% |
| Farm | 0.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 208.46% |
| Construction concentration (Tier 1 capital + allowance) | 68.86% |
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 | $45.0M |
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 | $2.57B | $2.61B | 45.83% | 12.99% | 1.29% |
| Q4 2023 | $2.58B | $2.68B | 46.18% | 13.04% | 1.28% |
| Q1 2024 | $2.62B | $2.73B | 46.57% | 12.97% | 1.23% |
| Q2 2024 | $2.66B | $2.73B | 46.16% | 13.46% | 1.22% |
| Q3 2024 | $2.67B | $2.79B | 42.83% | 12.54% | 1.10% |
| Q4 2024 | $2.72B | $2.79B | 42.61% | 12.50% | 1.09% |
| Q1 2025 | $2.75B | $2.83B | 43.40% | 12.23% | 1.09% |
| Q2 2025 | $2.77B | $2.91B | 44.04% | 12.44% | 1.11% |
| Q3 2025 | $2.71B | $2.98B | 43.40% | 12.27% | 1.10% |
| Q4 2025 | $2.75B | $2.98B | 43.35% | 12.75% | 1.09% |
| Q1 2026 | $2.73B | $3.03B | 43.32% | 13.00% | 1.10% |
| Q2 2026 | $2.78B | $3.08B | 43.72% | 13.00% | 1.06% |
Home Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank, N.A., 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 Home Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28094) · FFIEC NIC profile (RSSD 929978)