First Westroads Bank, Inc.: 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 33.83 percentage points higher than in Q2 2026, at 387.00%. First Westroads Bank, Inc. ranks 75th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 85.34% (Q3 2026). First Westroads Bank, Inc. reported 85.34% on loan-to-deposit ratio for Q3 2026, 4.51 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $296.0M |
| Net loans and leases | $290.4M |
| Loans held for sale | $365K |
| Loans to total assets | 73.12% |
| Loan-to-deposit ratio | 85.34% |
| Net loans to equity capital | 6.52% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.84% |
| Multifamily (5+ residential) | 14.81% |
| Commercial and industrial | 7.91% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 387.00% |
| Construction concentration (Tier 1 capital + allowance) | 156.90% |
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 | Q3 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.5M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $210.5M | $272.6M | 40.96% | 16.16% | 0.16% |
| Q1 2024 | $220.2M | $282.5M | 39.14% | 17.74% | 0.14% |
| Q2 2024 | $220.0M | $283.8M | 38.40% | 19.91% | 0.81% |
| Q3 2024 | $228.9M | $302.6M | 38.24% | 18.29% | 0.14% |
| Q4 2024 | $238.1M | $308.3M | 40.00% | 14.55% | 0.17% |
| Q1 2025 | $240.2M | $322.3M | 37.95% | 14.67% | 0.12% |
| Q2 2025 | $245.6M | $335.2M | 37.20% | 13.68% | 0.12% |
| Q3 2025 | $251.5M | $338.2M | 36.95% | 13.45% | 0.10% |
| Q4 2025 | $259.6M | $326.9M | 35.59% | 14.66% | 0.08% |
| Q1 2026 | $261.1M | $326.6M | 34.08% | 15.02% | 0.09% |
| Q2 2026 | $281.4M | $344.0M | 35.02% | 14.32% | 0.06% |
| Q3 2026 | $296.0M | $346.9M | 36.84% | 7.91% | 0.06% |
First Westroads Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Westroads Bank, Inc., 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 Westroads Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19742) · FFIEC NIC profile (RSSD 222754)