The First National Bank of Williamson: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 31.79 percentage points higher than in Q1 2026, at 102.84%. Within West Virginia, The First National Bank of Williamson is 17th of 41 on loan-to-deposit ratio, 85.31% as of Q2 2026, above the middle of the field. The First National Bank of Williamson reported 85.31% on loan-to-deposit ratio for Q2 2026, 4.47 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $81.8M |
| Net loans and leases | $80.6M |
| Loans held for sale | $0 |
| Loans to total assets | 68.00% |
| Loan-to-deposit ratio | 85.31% |
| Net loans to equity capital | 3.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.05% |
| Multifamily (5+ residential) | 3.99% |
| Commercial and industrial | 5.15% |
| Consumer | 5.53% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.84% |
| Construction concentration (Tier 1 capital + allowance) | 8.59% |
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 | 6.40% |
| 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 | $76.6M | $101.3M | 24.43% | 15.19% | 8.16% |
| Q4 2023 | $76.3M | $108.4M | 24.73% | 14.47% | 8.21% |
| Q1 2024 | $76.9M | $108.6M | 26.51% | 13.71% | 8.41% |
| Q2 2024 | $77.8M | $107.6M | 26.69% | 13.61% | 8.26% |
| Q3 2024 | $79.1M | $109.7M | 26.12% | 13.12% | 8.19% |
| Q4 2024 | $77.6M | $107.7M | 25.47% | 12.95% | 8.13% |
| Q1 2025 | $76.3M | $103.8M | 24.57% | 13.19% | 7.76% |
| Q2 2025 | $74.9M | $99.8M | 25.19% | 13.76% | 8.12% |
| Q3 2025 | $75.2M | $95.4M | 26.54% | 13.23% | 7.79% |
| Q4 2025 | $75.6M | $94.0M | 26.22% | 12.38% | 7.14% |
| Q1 2026 | $77.5M | $88.9M | 34.69% | 5.95% | 6.19% |
| Q2 2026 | $81.8M | $95.9M | 41.05% | 5.15% | 5.53% |
The First National Bank of Williamson loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Williamson, 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 First National Bank of Williamson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6805) · FFIEC NIC profile (RSSD 917630)