South Louisiana 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) dropped 4.20 percentage points in Q2 2026, from 100.71% to 96.51%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, South Louisiana Bank is 74th of 103 on loan-to-deposit ratio, 67.33% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. South Louisiana Bank sits 13.51 points lower, at 67.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $369.4M |
| Net loans and leases | $354.7M |
| Loans held for sale | $0 |
| Loans to total assets | 55.98% |
| Loan-to-deposit ratio | 67.33% |
| Net loans to equity capital | 3.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.00% |
| Multifamily (5+ residential) | 2.23% |
| Commercial and industrial | 27.59% |
| Consumer | 3.01% |
| Credit cards | 0.05% |
| Farm | 1.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.51% |
| Construction concentration (Tier 1 capital + allowance) | 28.65% |
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 | 7.72% |
| Interest income on loans | $7.1M |
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 | $310.2M | $577.1M | 42.09% | 24.18% | 3.00% |
| Q4 2023 | $312.4M | $568.9M | 40.38% | 26.26% | 2.92% |
| Q1 2024 | $330.7M | $584.8M | 40.78% | 26.95% | 2.83% |
| Q2 2024 | $334.0M | $605.1M | 39.64% | 28.09% | 2.89% |
| Q3 2024 | $342.0M | $571.3M | 39.96% | 28.79% | 3.22% |
| Q4 2024 | $349.2M | $556.2M | 40.97% | 30.16% | 3.07% |
| Q1 2025 | $355.8M | $568.0M | 39.83% | 28.66% | 2.95% |
| Q2 2025 | $363.5M | $553.6M | 38.16% | 28.92% | 3.00% |
| Q3 2025 | $368.1M | $547.5M | 38.00% | 28.94% | 3.05% |
| Q4 2025 | $372.4M | $550.4M | 37.83% | 27.58% | 3.00% |
| Q1 2026 | $369.3M | $566.3M | 39.65% | 26.62% | 2.95% |
| Q2 2026 | $369.4M | $548.6M | 39.00% | 27.59% | 3.01% |
South Louisiana Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Louisiana 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 South Louisiana Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23144) · FFIEC NIC profile (RSSD 616036)