Wadena 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.
Construction concentration (tier 1 capital + allowance) climbed 4.39 percentage points in Q2 2026, from 17.64% to 22.03%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Wadena State Bank is 158th of 221 on loan-to-deposit ratio, 70.04% as of Q2 2026, below the middle of the field. Wadena State Bank reported 70.04% on loan-to-deposit ratio for Q2 2026, 10.80 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $131.6M |
| Net loans and leases | $130.3M |
| Loans held for sale | $0 |
| Loans to total assets | 63.68% |
| Loan-to-deposit ratio | 70.04% |
| Net loans to equity capital | 7.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.56% |
| Multifamily (5+ residential) | 1.61% |
| Commercial and industrial | 19.16% |
| Consumer | 3.80% |
| Credit cards | 0.00% |
| Farm | 14.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.27% |
| Construction concentration (Tier 1 capital + allowance) | 22.03% |
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 | 6.97% |
| 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 | $125.5M | $187.9M | 18.37% | 23.44% | 4.30% |
| Q4 2023 | $124.3M | $186.2M | 19.04% | 21.50% | 4.07% |
| Q1 2024 | $123.7M | $184.6M | 19.46% | 21.27% | 3.99% |
| Q2 2024 | $122.8M | $181.4M | 19.43% | 21.21% | 3.96% |
| Q3 2024 | $129.7M | $185.7M | 18.95% | 19.34% | 4.19% |
| Q4 2024 | $131.3M | $183.7M | 18.52% | 19.25% | 4.11% |
| Q1 2025 | $130.7M | $184.0M | 17.30% | 20.25% | 3.46% |
| Q2 2025 | $134.5M | $182.3M | 17.54% | 20.29% | 3.48% |
| Q3 2025 | $135.4M | $190.0M | 17.28% | 18.76% | 3.68% |
| Q4 2025 | $134.4M | $186.4M | 17.94% | 19.15% | 3.70% |
| Q1 2026 | $136.5M | $185.9M | 17.97% | 19.09% | 3.39% |
| Q2 2026 | $131.6M | $187.9M | 17.56% | 19.16% | 3.80% |
Wadena State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wadena 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 Wadena State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13430) · FFIEC NIC profile (RSSD 210256)