I think my loquat tree has fire blight.- David N.
Good news. It’s not fire blight. Fire blight attacks the new growth at the terminal of the branches up in the canopy. It does not attack the trunk.
What you are seeing is the natural flaking of the bark that occurs in older loquat trees. This is not a problem and, once you know is okay, actually adds another attractive feature to the tree. The gray outer bark contrasts with the rusty inner bark.
There is an old wound that has become infected with decay organisms. Perhaps a branch broke or was cut from that spot sometime in the past. You can see how the wood is decaying. There is nothing you can do about this. The tree will have to deal with it as best it can.
Consumer Horticulture Specialist
The LSU AgCenter and the LSU College of Agriculture