Jackson Parish 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 Loan-to-deposit ratio: 4.25 percentage points higher than in Q1 2026, at 63.39%. Jackson Parish Bank ranks 81st of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 63.39% (Q2 2026). Jackson Parish Bank reported 63.39% on loan-to-deposit ratio for Q2 2026, 4.24 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.5M |
| Net loans and leases | $34.2M |
| Loans held for sale | $0 |
| Loans to total assets | 51.19% |
| Loan-to-deposit ratio | 63.39% |
| Net loans to equity capital | 2.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.54% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.31% |
| Consumer | 21.40% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.03% |
| Construction concentration (Tier 1 capital + allowance) | 12.03% |
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 | 7.07% |
| Interest income on loans | $595K |
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 | $22.5M | $49.0M | 14.32% | 13.12% | 21.24% |
| Q4 2023 | $22.7M | $58.1M | 14.23% | 13.05% | 22.19% |
| Q1 2024 | $23.2M | $51.8M | 13.66% | 13.18% | 22.56% |
| Q2 2024 | $23.4M | $51.1M | 13.11% | 11.86% | 23.09% |
| Q3 2024 | $23.2M | $45.8M | 11.94% | 13.11% | 22.49% |
| Q4 2024 | $24.4M | $60.5M | 13.52% | 13.13% | 21.96% |
| Q1 2025 | $27.7M | $52.5M | 14.95% | 13.30% | 21.61% |
| Q2 2025 | $29.4M | $49.9M | 14.21% | 12.49% | 21.69% |
| Q3 2025 | $31.8M | $48.3M | 15.80% | 11.46% | 20.40% |
| Q4 2025 | $32.1M | $65.9M | 15.44% | 10.80% | 20.56% |
| Q1 2026 | $32.5M | $55.0M | 15.06% | 10.75% | 22.00% |
| Q2 2026 | $34.5M | $54.4M | 14.54% | 12.31% | 21.40% |
Jackson Parish Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson Parish 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 Jackson Parish Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8799) · FFIEC NIC profile (RSSD 122153)