Patterson 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 4.11 percentage points in Q2 2026, from 42.44% to 46.55%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Patterson State Bank is 78th of 103 on loan-to-deposit ratio, 64.94% as of Q2 2026, below the middle of the field. Patterson State Bank reported 64.94% on loan-to-deposit ratio for Q2 2026, 15.90 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $192.4M |
| Net loans and leases | $190.2M |
| Loans held for sale | $0 |
| Loans to total assets | 58.18% |
| Loan-to-deposit ratio | 64.94% |
| Net loans to equity capital | 7.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.96% |
| Multifamily (5+ residential) | 0.03% |
| Commercial and industrial | 7.62% |
| Consumer | 3.62% |
| 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) | 62.12% |
| Construction concentration (Tier 1 capital + allowance) | 46.55% |
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 | 5.78% |
| Interest income on loans | $2.7M |
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 | $183.0M | $285.7M | 9.43% | 10.59% | 4.20% |
| Q4 2023 | $186.7M | $319.3M | 8.60% | 10.88% | 4.20% |
| Q1 2024 | $187.9M | $286.0M | 8.13% | 10.71% | 4.13% |
| Q2 2024 | $183.5M | $278.6M | 8.36% | 6.52% | 4.45% |
| Q3 2024 | $189.9M | $272.9M | 8.24% | 7.59% | 4.97% |
| Q4 2024 | $195.2M | $310.2M | 8.29% | 8.71% | 4.58% |
| Q1 2025 | $196.1M | $284.2M | 8.07% | 8.78% | 4.00% |
| Q2 2025 | $196.0M | $274.4M | 7.64% | 7.96% | 3.84% |
| Q3 2025 | $195.9M | $276.7M | 7.30% | 8.21% | 3.65% |
| Q4 2025 | $195.3M | $319.0M | 7.58% | 8.20% | 3.72% |
| Q1 2026 | $192.6M | $298.2M | 7.52% | 7.59% | 3.65% |
| Q2 2026 | $192.4M | $296.3M | 6.96% | 7.62% | 3.62% |
Patterson State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Patterson 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 Patterson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12609) · FFIEC NIC profile (RSSD 85931)