The Bank of Romney: 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.
Cre concentration (tier 1 capital + allowance) climbed 4.06 percentage points in Q2 2026, from 111.66% to 115.72%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, The Bank of Romney is 5th of 41 on loan-to-deposit ratio, 95.05% as of Q2 2026, above the middle of the field. The Bank of Romney reported 95.05% on loan-to-deposit ratio for Q2 2026, 14.21 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $269.4M |
| Net loans and leases | $266.9M |
| Loans held for sale | $0 |
| Loans to total assets | 73.06% |
| Loan-to-deposit ratio | 95.05% |
| Net loans to equity capital | 4.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.04% |
| Multifamily (5+ residential) | 1.77% |
| Commercial and industrial | 3.82% |
| Consumer | 6.08% |
| Credit cards | 0.00% |
| Farm | 1.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 115.72% |
| Construction concentration (Tier 1 capital + allowance) | 84.84% |
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 | 7.12% |
| Interest income on loans | $4.8M |
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 | $268.0M | $262.3M | 8.23% | 3.02% | 7.33% |
| Q4 2023 | $267.7M | $262.0M | 8.05% | 2.89% | 7.12% |
| Q1 2024 | $264.3M | $274.6M | 7.98% | 2.89% | 6.89% |
| Q2 2024 | $267.3M | $275.2M | 8.17% | 2.84% | 6.71% |
| Q3 2024 | $264.1M | $270.3M | 8.05% | 2.63% | 6.75% |
| Q4 2024 | $263.7M | $261.9M | 7.93% | 2.58% | 6.37% |
| Q1 2025 | $257.5M | $268.2M | 6.89% | 2.54% | 6.27% |
| Q2 2025 | $256.1M | $261.1M | 14.31% | 2.62% | 6.28% |
| Q3 2025 | $258.8M | $276.7M | 8.51% | 2.90% | 6.67% |
| Q4 2025 | $263.2M | $277.2M | 8.73% | 3.30% | 6.69% |
| Q1 2026 | $267.0M | $283.0M | 8.69% | 3.77% | 6.24% |
| Q2 2026 | $269.4M | $283.5M | 9.04% | 3.82% | 6.08% |
The Bank of Romney loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Romney, 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 The Bank of Romney profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 845) · FFIEC NIC profile (RSSD 722432)