Bank of Walker County: 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) dropped 72.44 percentage points in Q2 2026, from 246.88% to 174.43%. It was the largest change from Q1 2026 among the key lines here. Bank of Walker County ranks 21st of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 83.39% (Q2 2026). Bank of Walker County reported 83.39% on loan-to-deposit ratio for Q2 2026, 15.76 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.3M |
| Net loans and leases | $72.4M |
| Loans held for sale | $0 |
| Loans to total assets | 74.42% |
| Loan-to-deposit ratio | 83.39% |
| Net loans to equity capital | 6.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.47% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.92% |
| Consumer | 6.22% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.76% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.43% |
| Construction concentration (Tier 1 capital + allowance) | 36.20% |
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 | 7.06% |
| Interest income on loans | $1.3M |
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 | $68.9M | $83.1M | 20.69% | 20.32% | 4.07% |
| Q4 2023 | $68.4M | $80.7M | 20.32% | 20.92% | 3.65% |
| Q1 2024 | $70.2M | $86.3M | 22.26% | 3.88% | 6.06% |
| Q2 2024 | $72.3M | $85.2M | 21.68% | 4.56% | 5.37% |
| Q3 2024 | $69.7M | $85.6M | 24.93% | 3.24% | 5.74% |
| Q4 2024 | $69.2M | $90.8M | 27.06% | 3.26% | 5.29% |
| Q1 2025 | $72.5M | $86.3M | 27.56% | 2.80% | 5.16% |
| Q2 2025 | $73.7M | $87.8M | 27.19% | 1.88% | 5.02% |
| Q3 2025 | $73.8M | $87.6M | 27.20% | 2.31% | 4.64% |
| Q4 2025 | $74.1M | $85.0M | 29.04% | 2.29% | 4.28% |
| Q1 2026 | $73.2M | $85.0M | 30.89% | 2.79% | 4.37% |
| Q2 2026 | $73.3M | $87.9M | 30.47% | 2.92% | 6.22% |
Bank of Walker County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Walker County, 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 Bank of Walker County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57640) · FFIEC NIC profile (RSSD 3254297)