Home Federal 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.
The standout move of Q2 2026 was in Loans held for sale: 39.8% lower than in Q1 2026, at $1.7M. Home Federal Bank ranks 47th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 83.25% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Home Federal Bank reported 83.25% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $482.1M |
| Net loans and leases | $477.1M |
| Loans held for sale | $1.7M |
| Loans to total assets | 74.85% |
| Loan-to-deposit ratio | 83.25% |
| Net loans to equity capital | 7.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.24% |
| Multifamily (5+ residential) | 5.79% |
| Commercial and industrial | 12.15% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 227.68% |
| Construction concentration (Tier 1 capital + allowance) | 87.56% |
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 | 6.32% |
| Interest income on loans | $7.5M |
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 | $512.3M | $593.4M | 28.85% | 10.99% | 0.28% |
| Q4 2023 | $508.7M | $584.4M | 29.68% | 11.27% | 0.28% |
| Q1 2024 | $506.1M | $580.0M | 29.63% | 11.25% | 0.27% |
| Q2 2024 | $477.2M | $575.4M | 30.03% | 10.32% | 0.26% |
| Q3 2024 | $461.0M | $565.5M | 30.48% | 10.13% | 0.29% |
| Q4 2024 | $463.7M | $547.7M | 28.87% | 12.11% | 0.27% |
| Q1 2025 | $463.9M | $558.3M | 29.43% | 11.90% | 0.24% |
| Q2 2025 | $467.0M | $547.9M | 29.74% | 11.44% | 0.20% |
| Q3 2025 | $470.1M | $559.3M | 29.78% | 11.11% | 0.18% |
| Q4 2025 | $476.8M | $556.3M | 28.70% | 11.33% | 0.16% |
| Q1 2026 | $486.4M | $575.9M | 29.07% | 11.57% | 0.14% |
| Q2 2026 | $482.1M | $579.1M | 29.24% | 12.15% | 0.13% |
Home Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal 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 Home Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27654) · FFIEC NIC profile (RSSD 804374)