Vermilion 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): 4.11 percentage points lower than in Q1 2026, at 30.05%. Within Louisiana, Vermilion Bank & Trust Company is 87th of 103 on loan-to-deposit ratio, 55.30% as of Q2 2026, below the middle of the field. Vermilion Bank & Trust Company reported 55.30% on loan-to-deposit ratio for Q2 2026, 25.64 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.7M |
| Net loans and leases | $68.5M |
| Loans held for sale | $0 |
| Loans to total assets | 47.93% |
| Loan-to-deposit ratio | 55.30% |
| Net loans to equity capital | 3.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.88% |
| Multifamily (5+ residential) | 2.16% |
| Commercial and industrial | 7.61% |
| Consumer | 9.30% |
| Credit cards | 1.16% |
| Farm | 7.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.05% |
| Construction concentration (Tier 1 capital + allowance) | 4.13% |
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 | 7.02% |
| Interest income on loans | $1.2M |
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 | $70.7M | $127.9M | 24.72% | 8.15% | 9.67% |
| Q4 2023 | $70.8M | $149.6M | 24.55% | 7.85% | 9.82% |
| Q1 2024 | $67.2M | $132.5M | 22.71% | 8.57% | 10.44% |
| Q2 2024 | $68.6M | $132.3M | 22.39% | 8.68% | 10.29% |
| Q3 2024 | $70.2M | $129.1M | 26.50% | 7.33% | 10.34% |
| Q4 2024 | $70.2M | $149.0M | 26.33% | 7.48% | 10.63% |
| Q1 2025 | $68.3M | $131.8M | 27.15% | 7.74% | 10.95% |
| Q2 2025 | $69.6M | $128.1M | 28.17% | 7.28% | 10.68% |
| Q3 2025 | $69.8M | $126.7M | 28.56% | 7.16% | 10.33% |
| Q4 2025 | $67.2M | $151.8M | 28.90% | 7.82% | 10.31% |
| Q1 2026 | $67.3M | $130.4M | 28.91% | 8.06% | 9.82% |
| Q2 2026 | $69.7M | $126.1M | 27.88% | 7.61% | 9.30% |
Vermilion Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermilion 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 Vermilion Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17841) · FFIEC NIC profile (RSSD 754536)