JD 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 Construction concentration (Tier 1 capital + allowance): 12.38 percentage points lower than in Q1 2026, at 59.38%. JD Bank ranks 72nd of 102 Louisiana banks on loan-to-deposit ratio, in the lower half at 69.64% (Q2 2026). JD Bank reported 69.64% on loan-to-deposit ratio for Q2 2026, 18.57 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $780.5M |
| Net loans and leases | $771.6M |
| Loans held for sale | $139K |
| Loans to total assets | 61.99% |
| Loan-to-deposit ratio | 69.64% |
| Net loans to equity capital | 5.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.03% |
| Multifamily (5+ residential) | 5.24% |
| Commercial and industrial | 8.57% |
| Consumer | 3.86% |
| Credit cards | 0.00% |
| Farm | 1.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 204.87% |
| Construction concentration (Tier 1 capital + allowance) | 59.38% |
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 | 6.81% |
| Interest income on loans | $13.2M |
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 | $673.5M | $1.05B | 40.27% | 12.61% | 5.01% |
| Q4 2023 | $684.1M | $1.03B | 39.76% | 12.16% | 4.91% |
| Q1 2024 | $697.3M | $1.00B | 40.18% | 11.62% | 4.68% |
| Q2 2024 | $720.4M | $1.01B | 39.99% | 12.36% | 4.50% |
| Q3 2024 | $729.8M | $1.02B | 41.05% | 11.63% | 4.44% |
| Q4 2024 | $726.3M | $1.03B | 41.70% | 11.06% | 4.36% |
| Q1 2025 | $732.9M | $1.07B | 42.07% | 10.94% | 4.26% |
| Q2 2025 | $767.3M | $1.05B | 42.92% | 11.16% | 4.15% |
| Q3 2025 | $771.7M | $1.06B | 44.44% | 8.91% | 4.15% |
| Q4 2025 | $771.7M | $1.12B | 43.74% | 8.44% | 4.09% |
| Q1 2026 | $772.1M | $1.12B | 43.22% | 7.91% | 3.91% |
| Q2 2026 | $780.5M | $1.12B | 43.03% | 8.57% | 3.86% |
JD Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock JD 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 JD Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16546) · FFIEC NIC profile (RSSD 980531)