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.
Construction concentration (tier 1 capital + allowance) dropped 10.51 percentage points in Q2 2026, from 47.14% to 36.63%. It was the largest change from Q1 2026 among the key lines here. Washington State Bank ranks 49th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 82.79% (Q2 2026). At 82.79%, Washington State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.7M |
| Net loans and leases | $224.6M |
| Loans held for sale | $0 |
| Loans to total assets | 73.33% |
| Loan-to-deposit ratio | 82.79% |
| Net loans to equity capital | 6.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.05% |
| Multifamily (5+ residential) | 2.61% |
| Commercial and industrial | 4.78% |
| Consumer | 6.64% |
| Credit cards | 0.00% |
| Farm | 3.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 176.52% |
| Construction concentration (Tier 1 capital + allowance) | 36.63% |
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 | 6.64% |
| Interest income on loans | $3.7M |
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 | $225.8M | $252.6M | 35.24% | 7.47% | 3.16% |
| Q4 2023 | $221.6M | $249.0M | 35.66% | 6.92% | 3.13% |
| Q1 2024 | $219.1M | $266.9M | 36.59% | 6.31% | 3.23% |
| Q2 2024 | $228.7M | $263.4M | 36.42% | 6.44% | 4.49% |
| Q3 2024 | $225.4M | $267.1M | 36.56% | 6.54% | 4.71% |
| Q4 2024 | $227.9M | $266.2M | 37.16% | 6.33% | 5.68% |
| Q1 2025 | $223.6M | $264.6M | 35.52% | 6.93% | 7.85% |
| Q2 2025 | $230.7M | $271.3M | 35.83% | 6.45% | 7.35% |
| Q3 2025 | $226.6M | $264.2M | 36.88% | 6.49% | 7.19% |
| Q4 2025 | $225.6M | $261.7M | 37.83% | 5.59% | 7.36% |
| Q1 2026 | $224.7M | $268.0M | 37.62% | 4.82% | 6.83% |
| Q2 2026 | $226.7M | $273.9M | 39.05% | 4.78% | 6.64% |
Washington State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Washington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9326) · FFIEC NIC profile (RSSD 311939)