Red River 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 Loans held for sale: 36.4% lower than in Q1 2026, at $2.5M. Red River Bank ranks 57th of 102 Louisiana banks on loan-to-deposit ratio, in the lower half at 77.79% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Red River Bank sits 10.41 points lower, at 77.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.27B |
| Net loans and leases | $2.24B |
| Loans held for sale | $2.5M |
| Loans to total assets | 68.47% |
| Loan-to-deposit ratio | 77.79% |
| Net loans to equity capital | 5.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.96% |
| Multifamily (5+ residential) | 1.52% |
| Commercial and industrial | 15.99% |
| Consumer | 1.18% |
| Credit cards | 0.06% |
| Farm | 1.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 155.15% |
| Construction concentration (Tier 1 capital + allowance) | 52.87% |
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 | 5.72% |
| Interest income on loans | $32.3M |
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 | $1.95B | $2.77B | 38.71% | 14.56% | 1.54% |
| Q4 2023 | $1.99B | $2.81B | 38.83% | 14.49% | 1.42% |
| Q1 2024 | $2.04B | $2.75B | 38.91% | 15.56% | 1.40% |
| Q2 2024 | $2.05B | $2.72B | 38.33% | 15.19% | 1.42% |
| Q3 2024 | $2.06B | $2.75B | 38.71% | 14.40% | 1.41% |
| Q4 2024 | $2.08B | $2.81B | 38.57% | 14.48% | 1.38% |
| Q1 2025 | $2.12B | $2.83B | 38.26% | 14.52% | 1.34% |
| Q2 2025 | $2.14B | $2.82B | 37.46% | 14.57% | 1.30% |
| Q3 2025 | $2.18B | $2.85B | 37.51% | 15.36% | 1.25% |
| Q4 2025 | $2.25B | $2.97B | 37.45% | 15.90% | 1.24% |
| Q1 2026 | $2.26B | $2.95B | 37.23% | 15.73% | 1.15% |
| Q2 2026 | $2.27B | $2.91B | 36.96% | 15.99% | 1.18% |
Red River Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Red River 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 Red River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34980) · FFIEC NIC profile (RSSD 2743244)