St. Landry Bank and Trust Company: 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 Construction concentration (Tier 1 capital + allowance): 6.03 percentage points higher than in Q1 2026, at 37.25%. On loan-to-deposit ratio, St. Landry Bank and Trust Company is 3rd from the bottom among 103 Louisiana banks, 30.73% (Q2 2026). Against a median of 80.94% for banks in the $100M-1B asset tier, St. Landry Bank and Trust Company reported 30.73% on loan-to-deposit ratio in Q2 2026, 50.22 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.9M |
| Net loans and leases | $80.7M |
| Loans held for sale | $0 |
| Loans to total assets | 28.10% |
| Loan-to-deposit ratio | 30.73% |
| Net loans to equity capital | 3.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.98% |
| Multifamily (5+ residential) | 2.34% |
| Commercial and industrial | 12.66% |
| Consumer | 13.50% |
| Credit cards | 0.00% |
| Farm | 0.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 114.59% |
| Construction concentration (Tier 1 capital + allowance) | 37.25% |
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 | 6.90% |
| Interest income on loans | $1.4M |
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 | $60.1M | $259.8M | 44.81% | 21.87% | 9.02% |
| Q4 2023 | $59.9M | $262.6M | 43.42% | 24.11% | 8.86% |
| Q1 2024 | $60.2M | $271.7M | 42.88% | 23.33% | 9.27% |
| Q2 2024 | $66.2M | $273.2M | 43.11% | 22.19% | 8.39% |
| Q3 2024 | $68.1M | $264.7M | 42.12% | 21.74% | 8.87% |
| Q4 2024 | $70.3M | $274.8M | 40.91% | 21.20% | 9.37% |
| Q1 2025 | $71.9M | $277.7M | 42.11% | 18.88% | 9.53% |
| Q2 2025 | $78.3M | $274.0M | 43.21% | 15.72% | 10.48% |
| Q3 2025 | $81.7M | $264.7M | 42.13% | 14.81% | 10.63% |
| Q4 2025 | $79.0M | $274.6M | 40.86% | 14.49% | 13.45% |
| Q1 2026 | $81.2M | $272.0M | 40.49% | 13.72% | 13.54% |
| Q2 2026 | $82.9M | $269.7M | 38.98% | 12.66% | 13.50% |
St. Landry Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Landry Bank and Trust Company, 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 St. Landry Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8534) · FFIEC NIC profile (RSSD 885430)