The Mer Rouge 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.
Construction concentration (tier 1 capital + allowance) climbed 21.02 percentage points in Q2 2026, from 47.37% to 68.39%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, The Mer Rouge State Bank is 61st of 103 on loan-to-deposit ratio, 76.00% as of Q2 2026, below the middle of the field. The Mer Rouge State Bank reported 76.00% on loan-to-deposit ratio for Q2 2026, 8.38 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.2M |
| Net loans and leases | $33.9M |
| Loans held for sale | $0 |
| Loans to total assets | 65.99% |
| Loan-to-deposit ratio | 76.00% |
| Net loans to equity capital | 6.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.98% |
| Multifamily (5+ residential) | 7.63% |
| Commercial and industrial | 13.04% |
| Consumer | 1.80% |
| Credit cards | 0.00% |
| Farm | 6.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.03% |
| Construction concentration (Tier 1 capital + allowance) | 68.39% |
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 | 8.25% |
| Interest income on loans | $643K |
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 | $21.8M | $46.7M | 8.65% | 25.91% | 2.49% |
| Q4 2023 | $20.2M | $48.5M | 13.85% | 27.13% | 2.67% |
| Q1 2024 | $21.8M | $43.6M | 12.91% | 25.82% | 2.78% |
| Q2 2024 | $25.2M | $42.0M | 10.98% | 21.65% | 2.79% |
| Q3 2024 | $26.7M | $41.7M | 9.58% | 20.24% | 2.36% |
| Q4 2024 | $22.3M | $45.2M | 12.62% | 24.27% | 2.88% |
| Q1 2025 | $23.7M | $45.5M | 11.95% | 21.59% | 2.86% |
| Q2 2025 | $25.2M | $41.3M | 7.00% | 21.72% | 2.95% |
| Q3 2025 | $28.0M | $42.4M | 6.59% | 20.16% | 2.51% |
| Q4 2025 | $25.2M | $44.6M | 19.39% | 23.02% | 2.62% |
| Q1 2026 | $29.8M | $44.0M | 13.88% | 14.81% | 2.08% |
| Q2 2026 | $34.2M | $45.0M | 17.98% | 13.04% | 1.80% |
The Mer Rouge State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Mer Rouge 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 The Mer Rouge State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 314) · FFIEC NIC profile (RSSD 741956)