Eureka Homestead Bancorp (ERKH)

We conduct our business from our main office in Metairie, Louisiana, which is located in Jefferson Parish, within the metropolitan area of New Orleans, and our loan production office located in New Orleans. Our loan portfolio consists primarily of loans collateralized by real property located in Jefferson Parish and Orleans Parish, Louisiana. We also originate loans in other parts of the greater New Orleans metropolitan area and, to a lesser extent, elsewhere in Louisiana and Mississippi. Our business consists primarily of taking deposits and securing borrowings and investing those funds, together with funds generated from operations, in one- to four-family residential real estate loans including non-owner-occupied properties, construction loans for owner-occupied, one- to four-family residential real estate and home equity loans.  To a lesser extent, we also originate multifamily, commercial real estate and consumer loans.  At December 31, 2019, $73.6 million, or 93.8% of our total loan portfolio, was comprised of one- to four-family residential real estate loans, $11.4 million of which were non-owner-occupied loans,  $1.0 million of which were construction loans and $1.7 million of which were home equity loans.