Jonesboro State 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 Consumer: 7.68 percentage points lower than in Q1 2026, at 42.57%. Jonesboro State Bank has the 1st lowest loan-to-deposit ratio of the 103 banks headquartered in Louisiana, at 6.29% as of Q2 2026. Against a median of 88.20% for banks in the $1B-10B asset tier, Jonesboro State Bank reported 6.29% on loan-to-deposit ratio in Q2 2026, 81.91 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $75.9M |
| Net loans and leases | $74.4M |
| Loans held for sale | $14.6M |
| Loans to total assets | 5.85% |
| Loan-to-deposit ratio | 6.29% |
| Net loans to equity capital | 0.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.16% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.21% |
| Consumer | 42.57% |
| Credit cards | 0.00% |
| Farm | 1.55% |
| Loans to depository institutions | 1.30% |
| State and political subdivisions | 6.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.87% |
| Construction concentration (Tier 1 capital + allowance) | 0.66% |
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 | 10.09% |
| Interest income on loans | $1.9M |
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 | $172.0M | $663.7M | 2.42% | 5.57% | 76.36% |
| Q4 2023 | $159.6M | $722.8M | 4.12% | 5.97% | 73.89% |
| Q1 2024 | $161.7M | $731.3M | 4.07% | 5.99% | 74.26% |
| Q2 2024 | $167.4M | $745.2M | 3.98% | 5.68% | 76.26% |
| Q3 2024 | $157.2M | $770.5M | 4.23% | 5.49% | 75.00% |
| Q4 2024 | $144.2M | $849.6M | 4.19% | 5.86% | 72.31% |
| Q1 2025 | $127.9M | $979.5M | 4.20% | 6.82% | 68.27% |
| Q2 2025 | $115.5M | $1.06B | 4.62% | 7.21% | 63.82% |
| Q3 2025 | $102.6M | $1.10B | 5.10% | 7.21% | 59.47% |
| Q4 2025 | $90.3M | $1.14B | 5.78% | 8.16% | 55.14% |
| Q1 2026 | $79.7M | $1.20B | 6.45% | 8.76% | 50.25% |
| Q2 2026 | $75.9M | $1.21B | 6.16% | 8.21% | 42.57% |
Jonesboro State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonesboro State 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 Jonesboro State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9325) · FFIEC NIC profile (RSSD 121651)