First National Bank of Wauchula: 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.
Construction concentration (tier 1 capital + allowance) climbed 2.74 percentage points in Q2 2026, from 42.90% to 45.64%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Wauchula ranks 46th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 75.02% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First National Bank of Wauchula sits 7.40 points higher, at 75.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $57.2M |
| Net loans and leases | $56.1M |
| Loans held for sale | $0 |
| Loans to total assets | 65.31% |
| Loan-to-deposit ratio | 75.02% |
| Net loans to equity capital | 5.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.88% |
| Multifamily (5+ residential) | 3.28% |
| Commercial and industrial | 7.99% |
| Consumer | 3.09% |
| Credit cards | 0.00% |
| Farm | 4.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 94.66% |
| Construction concentration (Tier 1 capital + allowance) | 45.64% |
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 | 7.94% |
| Interest income on loans | $1.2M |
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 | $68.6M | $73.7M | 16.85% | 7.45% | 3.11% |
| Q4 2023 | $69.1M | $78.7M | 16.66% | 7.06% | 3.10% |
| Q1 2024 | $67.7M | $79.0M | 15.85% | 7.06% | 3.11% |
| Q2 2024 | $67.4M | $78.1M | 15.40% | 7.18% | 3.20% |
| Q3 2024 | $66.3M | $77.7M | 15.91% | 5.85% | 2.93% |
| Q4 2024 | $66.3M | $71.1M | 15.40% | 9.13% | 3.09% |
| Q1 2025 | $66.4M | $74.4M | 14.83% | 6.15% | 3.12% |
| Q2 2025 | $64.3M | $74.6M | 14.49% | 5.77% | 3.26% |
| Q3 2025 | $63.1M | $73.6M | 15.37% | 8.77% | 3.15% |
| Q4 2025 | $62.9M | $74.6M | 16.67% | 6.98% | 3.17% |
| Q1 2026 | $58.5M | $77.0M | 16.58% | 7.17% | 3.13% |
| Q2 2026 | $57.2M | $76.2M | 14.88% | 7.99% | 3.09% |
First National Bank of Wauchula loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Wauchula, 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 First National Bank of Wauchula profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18136) · FFIEC NIC profile (RSSD 89135)