Wayne 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 Construction concentration (Tier 1 capital + allowance): 7.75 percentage points higher than in Q1 2026, at 46.32%. Wayne Bank ranks 46th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 89.45% (Q2 2026). At 89.45%, Wayne Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.26B |
| Net loans and leases | $2.24B |
| Loans held for sale | $0 |
| Loans to total assets | 77.87% |
| Loan-to-deposit ratio | 89.45% |
| Net loans to equity capital | 8.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.18% |
| Multifamily (5+ residential) | 3.78% |
| Commercial and industrial | 10.15% |
| Consumer | 15.26% |
| Credit cards | 0.00% |
| Farm | 2.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 201.01% |
| Construction concentration (Tier 1 capital + allowance) | 46.32% |
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 | 6.47% |
| Interest income on loans | $36.4M |
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 | $1.61B | $1.75B | 33.55% | 10.39% | 16.28% |
| Q4 2023 | $1.60B | $1.80B | 33.29% | 9.76% | 16.57% |
| Q1 2024 | $1.62B | $1.84B | 33.91% | 9.89% | 16.82% |
| Q2 2024 | $1.64B | $1.81B | 33.02% | 9.85% | 17.76% |
| Q3 2024 | $1.68B | $1.86B | 33.63% | 8.94% | 17.91% |
| Q4 2024 | $1.71B | $1.86B | 33.07% | 9.36% | 18.09% |
| Q1 2025 | $1.76B | $2.01B | 32.71% | 10.14% | 18.31% |
| Q2 2025 | $1.78B | $2.00B | 32.44% | 10.14% | 18.52% |
| Q3 2025 | $1.81B | $2.10B | 32.02% | 9.77% | 18.90% |
| Q4 2025 | $1.85B | $2.11B | 32.02% | 11.01% | 17.68% |
| Q1 2026 | $2.24B | $2.52B | 35.50% | 10.04% | 15.02% |
| Q2 2026 | $2.26B | $2.53B | 35.18% | 10.15% | 15.26% |
Wayne Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne 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 Wayne Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 698) · FFIEC NIC profile (RSSD 59316)