Bank of Washington: 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 13.76 percentage points in Q2 2026, from 259.89% to 246.13%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Washington ranks 3rd highest among the 192 banks headquartered in Missouri, at 116.09% (Q2 2026). Bank of Washington reported 116.09% on loan-to-deposit ratio for Q2 2026, 27.88 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.03B |
| Net loans and leases | $1.01B |
| Loans held for sale | $389K |
| Loans to total assets | 89.77% |
| Loan-to-deposit ratio | 116.09% |
| Net loans to equity capital | 7.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.18% |
| Multifamily (5+ residential) | 8.26% |
| Commercial and industrial | 31.67% |
| Consumer | 0.38% |
| Credit cards | 0.00% |
| Farm | 1.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 246.13% |
| Construction concentration (Tier 1 capital + allowance) | 50.71% |
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 | — |
| Interest income on loans | $16.9M |
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 | $957.0M | $800.3M | 35.60% | 35.93% | 0.37% |
| Q4 2023 | $973.2M | $845.9M | 35.54% | 36.19% | 0.35% |
| Q1 2024 | $946.9M | $876.1M | 36.03% | 33.85% | 0.36% |
| Q2 2024 | $972.6M | $855.5M | 37.75% | 34.70% | 0.37% |
| Q3 2024 | $987.6M | $844.9M | 36.92% | 35.84% | 0.42% |
| Q4 2024 | $1.04B | $906.2M | 36.41% | 37.13% | 0.30% |
| Q1 2025 | $1.05B | $896.4M | 38.18% | 35.29% | 0.28% |
| Q2 2025 | $1.01B | $901.8M | 40.12% | 31.22% | 0.31% |
| Q3 2025 | $1.01B | $913.2M | 38.64% | 31.31% | 0.42% |
| Q4 2025 | $1.04B | $902.0M | 38.74% | 30.71% | 0.46% |
| Q1 2026 | $1.05B | $895.9M | 38.32% | 30.91% | 0.37% |
| Q2 2026 | $1.03B | $887.8M | 37.18% | 31.67% | 0.38% |
Bank of Washington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Washington, 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 Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12627) · FFIEC NIC profile (RSSD 565750)