Homeland Federal Savings 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 CRE concentration (Tier 1 capital + allowance): 25.67 percentage points lower than in Q1 2026, at 193.69%. Within Louisiana, Homeland Federal Savings Bank is 11th of 103 on loan-to-deposit ratio, 98.32% as of Q2 2026, above the middle of the field. Homeland Federal Savings Bank reported 98.32% on loan-to-deposit ratio for Q2 2026, 17.48 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $562.8M |
| Net loans and leases | $555.2M |
| Loans held for sale | $817K |
| Loans to total assets | 85.56% |
| Loan-to-deposit ratio | 98.32% |
| Net loans to equity capital | 9.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.70% |
| Multifamily (5+ residential) | 2.41% |
| Commercial and industrial | 12.61% |
| Consumer | 7.28% |
| Credit cards | 0.00% |
| Farm | 5.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.69% |
| Construction concentration (Tier 1 capital + allowance) | 66.10% |
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 | 7.20% |
| Interest income on loans | $10.0M |
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 | $461.9M | $479.0M | 28.33% | 13.36% | 8.24% |
| Q4 2023 | $466.3M | $473.7M | 28.40% | 13.32% | 8.24% |
| Q1 2024 | $467.1M | $464.7M | 28.47% | 12.20% | 8.20% |
| Q2 2024 | $486.2M | $477.6M | 27.43% | 14.31% | 7.95% |
| Q3 2024 | $504.9M | $491.4M | 27.76% | 14.26% | 7.82% |
| Q4 2024 | $512.2M | $506.4M | 28.13% | 13.64% | 7.80% |
| Q1 2025 | $520.1M | $514.5M | 28.73% | 13.30% | 7.69% |
| Q2 2025 | $527.3M | $531.3M | 28.42% | 11.60% | 7.81% |
| Q3 2025 | $544.6M | $542.3M | 29.00% | 12.06% | 7.50% |
| Q4 2025 | $558.8M | $555.6M | 29.68% | 12.59% | 7.30% |
| Q1 2026 | $559.3M | $561.2M | 29.44% | 12.62% | 7.26% |
| Q2 2026 | $562.8M | $572.5M | 28.70% | 12.61% | 7.28% |
Homeland Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Homeland Federal Savings 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 Homeland Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32459) · FFIEC NIC profile (RSSD 251978)