The Warrington 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 6.16 percentage points in Q2 2026, from 18.29% to 24.45%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Warrington Bank is 7th from the bottom among 81 Florida banks, 37.91% (Q2 2026). The Warrington Bank's loan-to-deposit ratio of 37.91% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 42.93 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.0M |
| Net loans and leases | $54.4M |
| Loans held for sale | $0 |
| Loans to total assets | 31.60% |
| Loan-to-deposit ratio | 37.91% |
| Net loans to equity capital | 1.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.16% |
| Multifamily (5+ residential) | 0.94% |
| Commercial and industrial | 4.35% |
| Consumer | 1.17% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.79% |
| Construction concentration (Tier 1 capital + allowance) | 24.45% |
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 | $730K |
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 | $52.8M | $154.2M | 49.75% | 6.35% | 0.50% |
| Q4 2023 | $54.9M | $147.2M | 47.75% | 6.14% | 0.92% |
| Q1 2024 | $54.5M | $142.4M | 47.74% | 5.95% | 0.73% |
| Q2 2024 | $53.8M | $136.4M | 47.80% | 5.81% | 0.70% |
| Q3 2024 | $54.1M | $138.7M | 46.96% | 5.58% | 0.80% |
| Q4 2024 | $55.4M | $138.6M | 45.54% | 5.75% | 0.66% |
| Q1 2025 | $55.5M | $137.9M | 45.06% | 5.50% | 0.66% |
| Q2 2025 | $56.0M | $141.1M | 44.78% | 6.03% | 0.66% |
| Q3 2025 | $55.5M | $139.0M | 44.73% | 5.83% | 0.52% |
| Q4 2025 | $50.9M | $144.1M | 39.49% | 3.24% | 1.41% |
| Q1 2026 | $51.8M | $143.6M | 37.04% | 4.81% | 1.24% |
| Q2 2026 | $55.0M | $145.0M | 34.16% | 4.35% | 1.17% |
The Warrington Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Warrington 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 Warrington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17193) · FFIEC NIC profile (RSSD 199137)