Jonah Bank of Wyoming: 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 4.21 percentage points in Q2 2026, from 53.54% to 57.75%. It was the largest change from Q1 2026 among the key lines here. Jonah Bank of Wyoming ranks 6th of 23 Wyoming banks on loan-to-deposit ratio, in the upper half at 77.82% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Jonah Bank of Wyoming sits 3.02 points lower, at 77.82% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $395.3M |
| Net loans and leases | $388.5M |
| Loans held for sale | $6.5M |
| Loans to total assets | 70.23% |
| Loan-to-deposit ratio | 77.82% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.01% |
| Multifamily (5+ residential) | 3.86% |
| Commercial and industrial | 19.95% |
| Consumer | 0.61% |
| Credit cards | 0.52% |
| Farm | 5.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 197.39% |
| Construction concentration (Tier 1 capital + allowance) | 57.75% |
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 | 7.04% |
| Interest income on loans | $6.9M |
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 | $331.9M | $464.2M | 49.33% | 14.77% | 0.54% |
| Q4 2023 | $328.1M | $471.2M | 49.94% | 14.60% | 0.57% |
| Q1 2024 | $322.7M | $461.5M | 48.69% | 15.08% | 0.56% |
| Q2 2024 | $330.5M | $448.5M | 46.61% | 15.62% | 0.67% |
| Q3 2024 | $344.5M | $473.6M | 46.83% | 17.05% | 0.68% |
| Q4 2024 | $348.4M | $482.0M | 46.31% | 17.65% | 0.56% |
| Q1 2025 | $348.5M | $475.3M | 45.82% | 17.49% | 0.52% |
| Q2 2025 | $355.0M | $474.5M | 44.46% | 18.15% | 0.65% |
| Q3 2025 | $357.6M | $503.6M | 43.24% | 19.84% | 0.62% |
| Q4 2025 | $371.9M | $504.7M | 42.65% | 19.26% | 0.46% |
| Q1 2026 | $391.9M | $511.5M | 41.76% | 19.44% | 0.48% |
| Q2 2026 | $395.3M | $508.0M | 41.01% | 19.95% | 0.61% |
Jonah Bank of Wyoming loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonah Bank of Wyoming, 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 Jonah Bank of Wyoming profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58396) · FFIEC NIC profile (RSSD 3412417)