Landmark 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.
Loan-to-deposit ratio climbed 2.72 percentage points in Q2 2026, from 79.61% to 82.33%. It was the largest change from Q1 2026 among the key lines here. Landmark Bank ranks 50th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 82.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Landmark Bank reported 82.33% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $167.9M |
| Net loans and leases | $166.1M |
| Loans held for sale | $0 |
| Loans to total assets | 73.06% |
| Loan-to-deposit ratio | 82.33% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.91% |
| Multifamily (5+ residential) | 1.13% |
| Commercial and industrial | 7.94% |
| Consumer | 4.10% |
| Credit cards | 0.00% |
| Farm | 7.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.67% |
| Construction concentration (Tier 1 capital + allowance) | 78.05% |
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 | 7.17% |
| Interest income on loans | $3.0M |
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 | $138.0M | $165.9M | 19.46% | 11.78% | 2.67% |
| Q4 2023 | $143.0M | $183.2M | 19.55% | 11.14% | 4.12% |
| Q1 2024 | $145.8M | $189.1M | 19.86% | 12.09% | 3.85% |
| Q2 2024 | $145.7M | $183.3M | 19.53% | 11.52% | 3.98% |
| Q3 2024 | $144.8M | $179.2M | 19.88% | 11.21% | 4.01% |
| Q4 2024 | $149.3M | $197.3M | 21.60% | 10.52% | 3.93% |
| Q1 2025 | $149.1M | $185.4M | 23.22% | 9.82% | 3.85% |
| Q2 2025 | $154.6M | $184.5M | 22.11% | 9.96% | 5.39% |
| Q3 2025 | $158.3M | $191.1M | 21.94% | 9.34% | 5.16% |
| Q4 2025 | $164.2M | $245.8M | 23.34% | 8.90% | 4.80% |
| Q1 2026 | $165.5M | $207.9M | 24.28% | 8.48% | 4.59% |
| Q2 2026 | $167.9M | $204.0M | 24.91% | 7.94% | 4.10% |
Landmark Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Landmark 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 Landmark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 307) · FFIEC NIC profile (RSSD 535034)