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.
Loan-to-deposit ratio climbed 3.00 percentage points in Q2 2026, from 40.62% to 43.62%. It was the largest change from Q1 2026 among the key lines here. Washington State Bank has the 23rd lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 43.62% as of Q2 2026. Washington State Bank reported 43.62% on loan-to-deposit ratio for Q2 2026, 23.71 points below the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.6M |
| Net loans and leases | $29.7M |
| Loans held for sale | $0 |
| Loans to total assets | 38.71% |
| Loan-to-deposit ratio | 43.62% |
| Net loans to equity capital | 5.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.58% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.45% |
| Consumer | 8.93% |
| Credit cards | 0.00% |
| Farm | 4.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.44% |
| Construction concentration (Tier 1 capital + allowance) | 3.81% |
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 | 5.05% |
| Interest income on loans | $382K |
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 | $32.8M | $72.8M | 11.78% | 8.01% | 10.58% |
| Q4 2023 | $32.2M | $74.0M | 11.74% | 7.01% | 10.56% |
| Q1 2024 | $31.1M | $73.3M | 11.83% | 8.23% | 10.69% |
| Q2 2024 | $30.6M | $69.6M | 12.22% | 8.95% | 10.62% |
| Q3 2024 | $30.8M | $74.1M | 12.46% | 8.65% | 10.61% |
| Q4 2024 | $30.6M | $76.1M | 12.27% | 9.34% | 10.39% |
| Q1 2025 | $30.4M | $74.7M | 11.92% | 9.25% | 9.68% |
| Q2 2025 | $30.9M | $69.7M | 12.14% | 9.53% | 10.00% |
| Q3 2025 | $31.1M | $71.1M | 12.21% | 10.08% | 9.31% |
| Q4 2025 | $30.5M | $73.8M | 11.77% | 10.21% | 9.29% |
| Q1 2026 | $30.2M | $74.4M | 12.70% | 8.35% | 9.17% |
| Q2 2026 | $30.6M | $70.2M | 13.58% | 9.45% | 8.93% |
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 16667) · FFIEC NIC profile (RSSD 480246)