The Wanda 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.
Loan-to-deposit ratio climbed 2.58 percentage points in Q2 2026, from 66.34% to 68.92%. It was the largest change from Q1 2026 among the key lines here. The Wanda State Bank ranks 163rd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 68.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Wanda State Bank sits 11.92 points lower, at 68.92% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $138.7M |
| Net loans and leases | $136.3M |
| Loans held for sale | $0 |
| Loans to total assets | 60.37% |
| Loan-to-deposit ratio | 68.92% |
| Net loans to equity capital | 5.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.21% |
| Multifamily (5+ residential) | 0.12% |
| Commercial and industrial | 5.17% |
| Consumer | 3.19% |
| Credit cards | 0.00% |
| Farm | 39.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 6.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.29% |
| Interest income on loans | $2.2M |
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 | $98.6M | $158.1M | 2.21% | 7.04% | 1.46% |
| Q4 2023 | $112.0M | $160.8M | 1.92% | 7.63% | 1.45% |
| Q1 2024 | $106.0M | $160.9M | 2.00% | 6.87% | 1.62% |
| Q2 2024 | $104.4M | $153.5M | 2.01% | 6.84% | 1.53% |
| Q3 2024 | $105.0M | $154.9M | 1.97% | 6.46% | 1.77% |
| Q4 2024 | $107.8M | $158.1M | 2.16% | 6.37% | 1.52% |
| Q1 2025 | $108.4M | $161.9M | 2.11% | 5.79% | 1.56% |
| Q2 2025 | $133.7M | $194.3M | 2.76% | 6.34% | 2.75% |
| Q3 2025 | $132.5M | $200.9M | 2.93% | 6.00% | 2.66% |
| Q4 2025 | $141.5M | $205.9M | 3.04% | 6.50% | 2.56% |
| Q1 2026 | $138.3M | $208.4M | 3.05% | 5.54% | 2.64% |
| Q2 2026 | $138.7M | $201.3M | 3.21% | 5.17% | 3.19% |
The Wanda State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Wanda 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 Wanda State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1908) · FFIEC NIC profile (RSSD 190956)