Waterfall 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): 15.64 percentage points lower than in Q1 2026, at 441.03%. Waterfall Bank has the highest loan-to-deposit ratio of the 81 banks headquartered in Florida, 115.07% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Waterfall Bank sits 34.51 points higher, at 115.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $380.1M |
| Net loans and leases | $376.9M |
| Loans held for sale | $0 |
| Loans to total assets | 92.72% |
| Loan-to-deposit ratio | 115.07% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.11% |
| Multifamily (5+ residential) | 6.76% |
| Commercial and industrial | 16.47% |
| Consumer | 0.09% |
| 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) | 441.03% |
| Construction concentration (Tier 1 capital + allowance) | 68.97% |
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 | 6.48% |
| Interest income on loans | $6.2M |
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 | $146.0M | $122.3M | 52.52% | 11.42% | 0.21% |
| Q4 2023 | $170.6M | $128.4M | 61.52% | 14.66% | 0.17% |
| Q1 2024 | $187.4M | $155.0M | 58.20% | 17.13% | 0.15% |
| Q2 2024 | $197.9M | $188.1M | 56.67% | 14.34% | 0.12% |
| Q3 2024 | $231.2M | $221.4M | 55.78% | 17.32% | 0.19% |
| Q4 2024 | $253.3M | $240.8M | 54.34% | 16.94% | 0.14% |
| Q1 2025 | $262.1M | $271.2M | 56.27% | 15.59% | 0.13% |
| Q2 2025 | $289.9M | $305.8M | 55.49% | 17.48% | 0.14% |
| Q3 2025 | $331.2M | $316.4M | 59.85% | 15.02% | 0.16% |
| Q4 2025 | $354.3M | $303.2M | 61.17% | 12.28% | 0.14% |
| Q1 2026 | $381.3M | $343.1M | 61.05% | 16.09% | 0.09% |
| Q2 2026 | $380.1M | $330.3M | 59.11% | 16.47% | 0.09% |
Waterfall Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterfall 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 Waterfall Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59265) · FFIEC NIC profile (RSSD 5650923)