ADDED
At June 30, 2025, our net loan portfolio amounted to $461.0 million, representing approximately 75.64% of total assets at that date.
At June 30, 2025, one-to-four family residential loans amounted to $ 175.0 million, or 37.59 % of the total loan portfolio.
Commercial real estate loans amounted to $ 138.9 million, or 29.84 % of the total loan portfolio, at June 30, 2025.
At June 30, 2025, our regulatory limit on loans to one borrower was $ 9.6 million, and the five largest loans or groups of loans to one borrower, including related entities, aggregated $5.6 million, $ 5.4 million, $ 5.2 million, $ 5.2 million, and $ 4.9 million.
For the year ended June 30, 2025, we originated $ 43.2 million of one-to-four family residential loans and sold $ 18.3 million of such loans.
(2) Includes net change of loans held for sale Although federal laws and regulations permit savings institutions to originate and purchase loans secured by real estate located throughout the United States, we concentrate our lending activity in our primary market area in Caddo, Bossier and Webster Parishes, Louisiana and the surrounding area.
During fiscal 2025 and 2024, we sold $18.3 million and $16.0 million of loans, respectively.
We recognized gain on sale of loans of $384,000 and $265,000 during fiscal 2025 and 2024, respectively.
Floating or Fixed-Rate Adjustable-Rate Total (In thousands) One-to-four family residential $ 103,697 $ 56,254 $ 159,951 Commercial real estate secured 116,162 5,840 122,002 Multi-family residential 25,008 10 25,018 Commercial business 37,287 2,113 39,400 Land 9,289 4,160 13,449 Construction 6,026 155 6,181 Home equity loans and lines of credit and other consumer 7,421 12,264 19,685 Total $ 304,890 $ 80,796 $ 385,686 Scheduled contractual maturities of loans do not necessarily reflect the actual expected term of the loan portfolio.
As of June 30, 2025, one-to-four family residential loans were $ 175.0 million, or 37.59 %, of the total loan portfolio, before net items.
REMOVED
At June 30, 2024, our net loan portfolio amounted to $470.9 million, representing approximately 73.9% of total assets at that date.
At June 30, 2024, one-to-four family residential loans amounted to $178.3 million, or 37.5% of the total loan portfolio.
Commercial real estate loans amounted to $143.5 million, or 30.2% of the total loan portfolio, at June 30, 2024.
At June 30, 2024, our regulatory limit on loans to one borrower was $9.0 million, and the five largest loans or groups of loans to one borrower, including related entities, aggregated $5.5 million, $5.4 million, $5.0 million, $5.0 million, and $4.5 million.
For the year ended June 30, 2024, we originated $49.7 million of one-to-four family residential loans and sold $16.0 million of such loans.
Although federal laws and regulations permit savings institutions to originate and purchase loans secured by real estate located throughout the United States, we concentrate our lending activity in our primary market area in Caddo, Bossier and Webster Parishes, Louisiana and the surrounding area.
During fiscal 2024 and 2023, we sold $16.0 million and $24.9 million of loans, respectively.
We recognized gain on sale of loans of $265,000 and $466,000 during fiscal 2024 and 2023, respectively.
Fixed-Rate Floating or Adjustable-Rate Total (In thousands) One-to-four family residential $ 114,545 $ 51,579 $ 166,124 Commercial real estate secured 124,065 3,225 127,290 Multi-family residential 26,438 2 26,440 Commercial business 33,846 7,305 41,151 Land 15,055 1,329 16,384 Construction -- -- -- Home equity loans and lines of credit and other consumer 8,384 9,881 18,265 Total $ 322,333 $ 73,321 $ 395,654 Scheduled contractual maturities of loans do not necessarily reflect the actual expected term of the loan portfolio.
As of June 30, 2024, one-to-four family residential loans were $178.3 million, or 37.5%, of the total loan portfolio, before net items.