M C Bank & 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.
Cre concentration (tier 1 capital + allowance) dropped 72.76 percentage points in Q2 2026, from 144.99% to 72.23%. It was the largest change from Q1 2026 among the key lines here. M C Bank & Trust Company ranks 68th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 72.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. M C Bank & Trust Company sits 7.90 points lower, at 72.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $350.5M |
| Net loans and leases | $341.8M |
| Loans held for sale | $0 |
| Loans to total assets | 49.37% |
| Loan-to-deposit ratio | 72.94% |
| Net loans to equity capital | 1.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.17% |
| Multifamily (5+ residential) | 4.07% |
| Commercial and industrial | 31.17% |
| Consumer | 1.59% |
| Credit cards | 0.00% |
| 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) | 72.23% |
| Construction concentration (Tier 1 capital + allowance) | 12.41% |
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 | 6.66% |
| Interest income on loans | -$1.7M |
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 | $310.3M | $284.8M | 45.77% | 20.97% | 1.60% |
| Q4 2023 | $325.6M | $308.5M | 44.48% | 23.44% | 1.50% |
| Q1 2024 | $327.4M | $326.4M | 43.52% | 24.89% | 1.46% |
| Q2 2024 | $324.0M | $332.9M | 43.27% | 23.76% | 1.59% |
| Q3 2024 | $321.5M | $337.6M | 42.93% | 23.63% | 1.57% |
| Q4 2024 | $324.2M | $342.9M | 41.54% | 25.61% | 1.60% |
| Q1 2025 | $320.2M | $354.2M | 40.80% | 25.34% | 1.55% |
| Q2 2025 | $318.2M | $382.3M | 40.69% | 25.81% | 1.67% |
| Q3 2025 | $311.8M | $386.6M | 39.22% | 26.75% | 1.74% |
| Q4 2025 | $313.4M | $382.7M | 39.70% | 26.87% | 1.79% |
| Q1 2026 | $322.0M | $394.2M | 37.96% | 29.56% | 1.79% |
| Q2 2026 | $350.5M | $480.6M | 40.17% | 31.17% | 1.59% |
M C Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock M C Bank & 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 M C Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17388) · FFIEC NIC profile (RSSD 1003839)