Waterman 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): 18.82 percentage points higher than in Q1 2026, at 210.64%. Waterman Bank ranks 84th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 87.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Waterman Bank sits 6.17 points higher, at 87.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $125.6M |
| Net loans and leases | $124.9M |
| Loans held for sale | $8.5M |
| Loans to total assets | 72.33% |
| Loan-to-deposit ratio | 87.00% |
| Net loans to equity capital | 4.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.68% |
| Multifamily (5+ residential) | 8.50% |
| Commercial and industrial | 4.44% |
| Consumer | 0.34% |
| Credit cards | 0.00% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 210.64% |
| Construction concentration (Tier 1 capital + allowance) | 52.20% |
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 | 8.89% |
| Interest income on loans | $2.4M |
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 | $102.7M | $128.7M | 29.23% | 5.10% | 5.91% |
| Q4 2023 | $96.0M | $117.8M | 30.40% | 5.51% | 0.92% |
| Q1 2024 | $98.2M | $123.8M | 31.31% | 6.20% | 0.80% |
| Q2 2024 | $108.3M | $125.7M | 32.06% | 5.41% | 0.59% |
| Q3 2024 | $105.9M | $125.9M | 33.29% | 5.99% | 0.50% |
| Q4 2024 | $104.3M | $128.1M | 38.26% | 6.14% | 0.48% |
| Q1 2025 | $93.2M | $143.9M | 35.02% | 6.51% | 0.49% |
| Q2 2025 | $110.6M | $135.9M | 29.45% | 6.04% | 0.37% |
| Q3 2025 | $111.5M | $137.5M | 28.03% | 5.14% | 0.41% |
| Q4 2025 | $117.2M | $138.1M | 26.93% | 4.43% | 0.42% |
| Q1 2026 | $112.0M | $143.3M | 27.36% | 4.88% | 0.41% |
| Q2 2026 | $125.6M | $144.3M | 25.68% | 4.44% | 0.34% |
Waterman Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterman 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 Waterman Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10878) · FFIEC NIC profile (RSSD 604640)