Tensas 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.51 percentage points higher than in Q1 2026, at 75.96%. Within Louisiana, Tensas State Bank is 62nd of 103 on loan-to-deposit ratio, 75.96% 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. Tensas State Bank sits 4.88 points lower, at 75.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $120.4M |
| Net loans and leases | $119.1M |
| Loans held for sale | $0 |
| Loans to total assets | 64.90% |
| Loan-to-deposit ratio | 75.96% |
| Net loans to equity capital | 5.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.38% |
| Multifamily (5+ residential) | 1.78% |
| Commercial and industrial | 14.80% |
| Consumer | 1.82% |
| Credit cards | 0.00% |
| Farm | 10.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.94% |
| Construction concentration (Tier 1 capital + allowance) | 5.79% |
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 | 7.19% |
| Interest income on loans | $2.1M |
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 | $104.3M | $157.8M | 17.68% | 18.83% | 2.49% |
| Q4 2023 | $98.8M | $151.1M | 17.33% | 19.38% | 2.72% |
| Q1 2024 | $100.1M | $144.5M | 18.39% | 19.92% | 2.51% |
| Q2 2024 | $109.1M | $151.4M | 16.82% | 18.32% | 2.21% |
| Q3 2024 | $108.9M | $157.1M | 18.41% | 18.40% | 2.31% |
| Q4 2024 | $107.7M | $157.3M | 18.34% | 18.10% | 2.88% |
| Q1 2025 | $111.0M | $156.7M | 18.32% | 17.39% | 3.37% |
| Q2 2025 | $117.0M | $154.7M | 17.45% | 16.51% | 1.89% |
| Q3 2025 | $114.5M | $160.7M | 18.99% | 16.65% | 1.95% |
| Q4 2025 | $111.1M | $160.8M | 18.19% | 16.91% | 2.00% |
| Q1 2026 | $112.0M | $161.3M | 18.56% | 16.91% | 1.95% |
| Q2 2026 | $120.4M | $158.5M | 18.38% | 14.80% | 1.82% |
Tensas State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tensas 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 Tensas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8533) · FFIEC NIC profile (RSSD 134455)