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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.49 percentage points lower than in Q1 2026, at 61.19%. Washington State Bank ranks 158th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 71.60% (Q2 2026). Washington State Bank reported 71.60% on loan-to-deposit ratio for Q2 2026, 8.96 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $365.5M |
| Net loans and leases | $360.5M |
| Loans held for sale | $0 |
| Loans to total assets | 60.80% |
| Loan-to-deposit ratio | 71.60% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.50% |
| Multifamily (5+ residential) | 4.83% |
| Commercial and industrial | 5.97% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 18.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.19% |
| Construction concentration (Tier 1 capital + allowance) | 15.64% |
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 | 6.52% |
| Interest income on loans | $5.9M |
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 | $288.8M | $472.0M | 9.55% | 5.41% | 1.26% |
| Q4 2023 | $300.0M | $483.0M | 9.21% | 5.65% | 1.17% |
| Q1 2024 | $306.3M | $489.5M | 8.98% | 5.49% | 1.24% |
| Q2 2024 | $309.5M | $489.4M | 8.85% | 5.77% | 1.13% |
| Q3 2024 | $314.7M | $492.5M | 8.87% | 5.71% | 1.02% |
| Q4 2024 | $322.5M | $511.6M | 9.16% | 5.59% | 0.98% |
| Q1 2025 | $329.0M | $501.6M | 10.32% | 5.51% | 0.87% |
| Q2 2025 | $331.5M | $508.7M | 10.28% | 5.90% | 0.86% |
| Q3 2025 | $344.4M | $526.8M | 9.87% | 6.19% | 0.91% |
| Q4 2025 | $348.3M | $519.9M | 9.83% | 6.04% | 0.71% |
| Q1 2026 | $362.3M | $501.6M | 9.11% | 5.42% | 0.65% |
| Q2 2026 | $365.5M | $510.5M | 7.50% | 5.97% | 0.74% |
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 214) · FFIEC NIC profile (RSSD 433943)