State Bank & 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 CRE concentration (Tier 1 capital + allowance): 28.66 percentage points higher than in Q1 2026, at 135.17%. Within Louisiana, State Bank & Trust Company is 57th of 103 on loan-to-deposit ratio, 79.80% as of Q2 2026, below the middle of the field. At 79.80%, State Bank & Trust Company's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $115.9M |
| Net loans and leases | $114.4M |
| Loans held for sale | $0 |
| Loans to total assets | 70.21% |
| Loan-to-deposit ratio | 79.80% |
| Net loans to equity capital | 8.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.48% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 26.48% |
| Consumer | 5.97% |
| 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) | 135.17% |
| Construction concentration (Tier 1 capital + allowance) | 59.03% |
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 | 6.94% |
| Interest income on loans | $1.9M |
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 | $81.0M | $129.8M | 25.37% | 34.39% | 8.21% |
| Q4 2023 | $86.8M | $122.2M | 26.27% | 35.12% | 7.44% |
| Q1 2024 | $87.4M | $123.5M | 25.60% | 34.04% | 7.52% |
| Q2 2024 | $88.5M | $129.7M | 25.93% | 33.60% | 7.79% |
| Q3 2024 | $90.3M | $126.9M | 28.09% | 35.66% | 7.62% |
| Q4 2024 | $91.9M | $125.9M | 29.91% | 35.67% | 7.54% |
| Q1 2025 | $92.5M | $132.1M | 44.81% | 21.03% | 8.25% |
| Q2 2025 | $97.3M | $132.2M | 44.04% | 23.87% | 8.09% |
| Q3 2025 | $94.0M | $134.5M | 41.51% | 23.82% | 7.21% |
| Q4 2025 | $98.7M | $132.6M | 42.32% | 21.62% | 7.02% |
| Q1 2026 | $101.1M | $135.9M | 37.81% | 25.99% | 6.67% |
| Q2 2026 | $115.9M | $145.3M | 35.48% | 26.48% | 5.97% |
State Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & 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 State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17169) · FFIEC NIC profile (RSSD 485139)