The New Washington State Bank: 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.
Cre concentration (tier 1 capital + allowance) climbed 11.20 percentage points in Q2 2026, from 196.31% to 207.51%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The New Washington State Bank is 63rd of 87 on loan-to-deposit ratio, 73.90% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The New Washington State Bank sits 7.04 points lower, at 73.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $533.3M |
| Net loans and leases | $526.6M |
| Loans held for sale | $0 |
| Loans to total assets | 66.82% |
| Loan-to-deposit ratio | 73.90% |
| Net loans to equity capital | 7.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.26% |
| Multifamily (5+ residential) | 8.59% |
| Commercial and industrial | 15.39% |
| Consumer | 6.85% |
| Credit cards | 0.00% |
| Farm | 1.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.73% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.51% |
| Construction concentration (Tier 1 capital + allowance) | 84.61% |
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 | 6.57% |
| Interest income on loans | $8.6M |
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 | $374.6M | $476.3M | 23.41% | 15.70% | 12.02% |
| Q4 2023 | $382.3M | $470.6M | 22.18% | 15.69% | 11.81% |
| Q1 2024 | $384.3M | $492.1M | 22.31% | 15.80% | 11.40% |
| Q2 2024 | $383.0M | $507.8M | 21.02% | 15.76% | 11.57% |
| Q3 2024 | $385.6M | $515.4M | 21.19% | 15.87% | 11.45% |
| Q4 2024 | $409.2M | $531.4M | 22.80% | 16.48% | 10.37% |
| Q1 2025 | $424.9M | $560.9M | 22.19% | 17.07% | 9.79% |
| Q2 2025 | $436.0M | $589.7M | 22.27% | 16.85% | 9.56% |
| Q3 2025 | $441.3M | $580.0M | 21.87% | 16.83% | 8.91% |
| Q4 2025 | $502.9M | $682.9M | 21.86% | 14.56% | 8.32% |
| Q1 2026 | $515.4M | $688.9M | 23.25% | 15.03% | 7.55% |
| Q2 2026 | $533.3M | $721.6M | 22.26% | 15.39% | 6.85% |
The New Washington State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The New Washington State Bank, 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 New Washington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13305) · FFIEC NIC profile (RSSD 305442)