Bank of Wolcott: 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 8.97 percentage points in Q2 2026, from 44.38% to 35.41%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Bank of Wolcott is 78th of 87 on loan-to-deposit ratio, 61.22% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Wolcott sits 19.72 points lower, at 61.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.4M |
| Net loans and leases | $141.1M |
| Loans held for sale | $0 |
| Loans to total assets | 51.16% |
| Loan-to-deposit ratio | 61.22% |
| Net loans to equity capital | 4.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.91% |
| Multifamily (5+ residential) | 0.45% |
| Commercial and industrial | 13.25% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 32.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.41% |
| Construction concentration (Tier 1 capital + allowance) | 0.30% |
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 | 6.53% |
| Interest income on loans | $2.3M |
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 | $127.5M | $206.8M | 26.02% | 12.82% | 1.38% |
| Q4 2023 | $128.7M | $203.3M | 25.62% | 7.96% | 1.21% |
| Q1 2024 | $132.0M | $208.4M | 25.21% | 10.61% | 1.39% |
| Q2 2024 | $130.3M | $209.4M | 24.55% | 10.41% | 1.29% |
| Q3 2024 | $131.3M | $207.4M | 25.04% | 10.59% | 1.32% |
| Q4 2024 | $137.2M | $206.6M | 24.05% | 9.89% | 1.38% |
| Q1 2025 | $135.4M | $215.1M | 24.94% | 9.21% | 1.02% |
| Q2 2025 | $138.5M | $225.4M | 24.90% | 9.02% | 0.90% |
| Q3 2025 | $139.9M | $222.1M | 24.51% | 9.65% | 0.92% |
| Q4 2025 | $146.8M | $228.4M | 23.29% | 10.59% | 1.06% |
| Q1 2026 | $143.6M | $233.7M | 23.58% | 12.46% | 0.76% |
| Q2 2026 | $143.4M | $234.2M | 20.91% | 13.25% | 0.76% |
Bank of Wolcott loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Wolcott, 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 Wolcott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16201) · FFIEC NIC profile (RSSD 729842)