First Whitney Bank and Trust: 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.
Commercial and industrial dropped 3.08 percentage points in Q2 2026, from 24.54% to 21.46%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Whitney Bank and Trust is 186th of 225 on loan-to-deposit ratio, 62.68% as of Q2 2026, below the middle of the field. First Whitney Bank and Trust reported 62.68% on loan-to-deposit ratio for Q2 2026, 18.15 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $159.7M |
| Net loans and leases | $159.3M |
| Loans held for sale | $0 |
| Loans to total assets | 55.56% |
| Loan-to-deposit ratio | 62.68% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.03% |
| Multifamily (5+ residential) | 0.88% |
| Commercial and industrial | 21.46% |
| Consumer | 2.12% |
| Credit cards | 0.00% |
| Farm | 27.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.04% |
| Construction concentration (Tier 1 capital + allowance) | 29.49% |
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 | $2.4M |
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 | $149.3M | $241.6M | 7.43% | 27.19% | 2.80% |
| Q4 2023 | $166.1M | $247.8M | 6.96% | 30.89% | 2.32% |
| Q1 2024 | $154.6M | $251.2M | 7.31% | 28.30% | 2.49% |
| Q2 2024 | $153.0M | $239.4M | 7.47% | 25.41% | 2.45% |
| Q3 2024 | $154.4M | $247.3M | 7.45% | 25.93% | 2.57% |
| Q4 2024 | $160.8M | $257.9M | 7.87% | 24.59% | 2.48% |
| Q1 2025 | $149.4M | $262.4M | 8.30% | 23.11% | 2.38% |
| Q2 2025 | $151.9M | $253.6M | 8.27% | 24.17% | 2.38% |
| Q3 2025 | $152.5M | $255.5M | 8.24% | 23.58% | 2.36% |
| Q4 2025 | $174.2M | $249.5M | 7.10% | 26.51% | 2.01% |
| Q1 2026 | $166.1M | $263.7M | 6.56% | 24.54% | 2.07% |
| Q2 2026 | $159.7M | $254.8M | 7.03% | 21.46% | 2.12% |
First Whitney Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Whitney Bank and Trust, 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 Whitney Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 254) · FFIEC NIC profile (RSSD 740249)