Sicily Island 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.
Cre concentration (tier 1 capital + allowance) climbed 6.71 percentage points in Q2 2026, from 135.40% to 142.11%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Sicily Island State Bank ranks 9th highest among the 103 banks headquartered in Louisiana, at 100.59% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Sicily Island State Bank sits 32.67 points higher, at 100.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.3M |
| Net loans and leases | $72.6M |
| Loans held for sale | $0 |
| Loans to total assets | 79.36% |
| Loan-to-deposit ratio | 100.59% |
| Net loans to equity capital | 6.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.47% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.36% |
| Consumer | 3.82% |
| Credit cards | 0.00% |
| Farm | 4.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.98% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.11% |
| Construction concentration (Tier 1 capital + allowance) | 118.21% |
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 | 7.91% |
| Interest income on loans | $1.5M |
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 | $67.6M | $60.0M | 14.14% | 7.37% | 5.88% |
| Q4 2023 | $68.7M | $61.3M | 13.75% | 7.37% | 5.85% |
| Q1 2024 | $70.5M | $62.2M | 16.23% | 7.52% | 8.09% |
| Q2 2024 | $66.7M | $65.6M | 18.47% | 6.77% | 5.28% |
| Q3 2024 | $69.6M | $68.0M | 17.07% | 9.50% | 5.16% |
| Q4 2024 | $68.4M | $64.2M | 16.79% | 10.03% | 5.01% |
| Q1 2025 | $71.9M | $67.7M | 14.73% | 9.27% | 4.49% |
| Q2 2025 | $73.9M | $61.3M | 19.35% | 9.22% | 3.75% |
| Q3 2025 | $73.7M | $68.5M | 18.29% | 9.36% | 3.83% |
| Q4 2025 | $71.3M | $71.3M | 17.61% | 9.59% | 4.31% |
| Q1 2026 | $73.8M | $73.8M | 18.83% | 8.81% | 4.04% |
| Q2 2026 | $73.3M | $72.9M | 19.47% | 8.36% | 3.82% |
Sicily Island State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sicily Island 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 Sicily Island State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12722) · FFIEC NIC profile (RSSD 1002458)