Liberty Bank and Trust Company: 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): 5.17 percentage points higher than in Q1 2026, at 25.98%. Within Louisiana, Liberty Bank and Trust Company is 79th of 103 on loan-to-deposit ratio, 64.65% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Liberty Bank and Trust Company sits 23.56 points lower, at 64.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $636.3M |
| Net loans and leases | $629.1M |
| Loans held for sale | $1.5M |
| Loans to total assets | 56.35% |
| Loan-to-deposit ratio | 64.65% |
| Net loans to equity capital | 5.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.09% |
| Multifamily (5+ residential) | 5.74% |
| Commercial and industrial | 11.57% |
| Consumer | 2.31% |
| Credit cards | 1.06% |
| 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) | 153.04% |
| Construction concentration (Tier 1 capital + allowance) | 25.98% |
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 | 6.24% |
| Interest income on loans | $9.8M |
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 | $566.1M | $906.9M | 36.03% | 13.57% | 5.33% |
| Q4 2023 | $576.2M | $906.8M | 34.66% | 14.94% | 5.55% |
| Q1 2024 | $593.9M | $913.9M | 33.55% | 16.68% | 3.07% |
| Q2 2024 | $611.6M | $934.1M | 34.56% | 16.94% | 2.61% |
| Q3 2024 | $642.7M | $948.8M | 36.08% | 15.36% | 2.60% |
| Q4 2024 | $630.5M | $939.5M | 35.34% | 15.55% | 2.47% |
| Q1 2025 | $628.5M | $969.3M | 34.35% | 12.61% | 2.10% |
| Q2 2025 | $619.8M | $968.8M | 34.39% | 12.84% | 2.02% |
| Q3 2025 | $621.4M | $971.4M | 34.64% | 13.65% | 2.99% |
| Q4 2025 | $621.8M | $957.1M | 35.32% | 11.96% | 2.91% |
| Q1 2026 | $626.3M | $963.7M | 34.13% | 11.27% | 2.24% |
| Q2 2026 | $636.3M | $984.4M | 34.09% | 11.57% | 2.31% |
Liberty Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank and Trust Company, 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 Liberty Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20856) · FFIEC NIC profile (RSSD 283438)