Louisiana National 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): 12.04 percentage points higher than in Q1 2026, at 120.06%. On loan-to-deposit ratio, Louisiana National Bank ranks 7th highest among the 103 banks headquartered in Louisiana, at 101.37% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Louisiana National Bank sits 20.53 points higher, at 101.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $419.4M |
| Net loans and leases | $414.9M |
| Loans held for sale | $0 |
| Loans to total assets | 88.47% |
| Loan-to-deposit ratio | 101.37% |
| Net loans to equity capital | 8.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.97% |
| Multifamily (5+ residential) | 4.49% |
| Commercial and industrial | 9.97% |
| Consumer | 0.32% |
| Credit cards | 0.00% |
| Farm | 12.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 339.11% |
| Construction concentration (Tier 1 capital + allowance) | 120.06% |
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 | 8.23% |
| Interest income on loans | $8.4M |
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 | $390.2M | $394.4M | 50.69% | 6.77% | 0.45% |
| Q4 2023 | $397.6M | $398.3M | 50.08% | 6.92% | 0.50% |
| Q1 2024 | $398.0M | $396.5M | 49.28% | 7.10% | 0.49% |
| Q2 2024 | $397.4M | $406.1M | 49.46% | 7.44% | 0.52% |
| Q3 2024 | $395.8M | $400.2M | 50.38% | 7.20% | 0.50% |
| Q4 2024 | $394.5M | $397.6M | 49.55% | 8.44% | 0.46% |
| Q1 2025 | $387.6M | $400.0M | 49.89% | 8.17% | 0.39% |
| Q2 2025 | $384.8M | $397.2M | 49.06% | 8.65% | 0.40% |
| Q3 2025 | $390.0M | $400.7M | 46.62% | 9.80% | 0.35% |
| Q4 2025 | $418.1M | $426.1M | 46.41% | 9.66% | 0.34% |
| Q1 2026 | $411.8M | $418.0M | 46.19% | 9.24% | 0.33% |
| Q2 2026 | $419.4M | $413.7M | 43.97% | 9.97% | 0.32% |
Louisiana National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Louisiana National 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 Louisiana National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15059) · FFIEC NIC profile (RSSD 109659)