Washington Savings 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.08 percentage points higher than in Q1 2026, at 104.94%. Within Illinois, Washington Savings Bank is 202nd of 323 on loan-to-deposit ratio, 70.61% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Washington Savings Bank sits 10.23 points lower, at 70.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $356.1M |
| Net loans and leases | $352.8M |
| Loans held for sale | $0 |
| Loans to total assets | 60.84% |
| Loan-to-deposit ratio | 70.61% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.99% |
| Multifamily (5+ residential) | 0.04% |
| Commercial and industrial | 14.70% |
| Consumer | 1.47% |
| Credit cards | 0.00% |
| Farm | 0.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.94% |
| Construction concentration (Tier 1 capital + allowance) | 20.95% |
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 | 5.67% |
| Interest income on loans | $5.1M |
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 | $341.5M | $522.6M | 41.76% | 12.02% | 1.95% |
| Q4 2023 | $343.1M | $499.9M | 42.85% | 10.63% | 1.92% |
| Q1 2024 | $343.6M | $512.8M | 42.28% | 11.05% | 1.90% |
| Q2 2024 | $340.1M | $492.9M | 42.71% | 10.85% | 1.85% |
| Q3 2024 | $337.1M | $515.8M | 42.62% | 10.74% | 2.11% |
| Q4 2024 | $330.6M | $490.4M | 43.31% | 9.65% | 1.95% |
| Q1 2025 | $332.5M | $501.4M | 43.09% | 11.65% | 1.76% |
| Q2 2025 | $330.2M | $505.5M | 44.42% | 10.37% | 1.73% |
| Q3 2025 | $343.0M | $495.6M | 41.98% | 14.41% | 1.61% |
| Q4 2025 | $343.7M | $501.7M | 41.91% | 14.59% | 1.58% |
| Q1 2026 | $354.1M | $519.9M | 42.68% | 15.12% | 1.45% |
| Q2 2026 | $356.1M | $504.4M | 41.99% | 14.70% | 1.47% |
Washington Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington Savings 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 Washington Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29227) · FFIEC NIC profile (RSSD 790271)