Wayne Bank and Trust Co.: 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): 18.83 percentage points lower than in Q1 2026, at 222.48%. Wayne Bank and Trust Co. ranks 29th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 90.78% (Q2 2026). Wayne Bank and Trust Co. reported 90.78% on loan-to-deposit ratio for Q2 2026, 9.84 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $203.9M |
| Net loans and leases | $201.5M |
| Loans held for sale | $936K |
| Loans to total assets | 79.87% |
| Loan-to-deposit ratio | 90.78% |
| Net loans to equity capital | 10.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.07% |
| Multifamily (5+ residential) | 4.17% |
| Commercial and industrial | 9.11% |
| Consumer | 1.62% |
| Credit cards | 0.00% |
| Farm | 2.32% |
| Loans to depository institutions | 0.81% |
| State and political subdivisions | 0.65% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 222.48% |
| Construction concentration (Tier 1 capital + allowance) | 36.33% |
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 | 6.51% |
| Interest income on loans | $3.3M |
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 | $158.7M | $198.9M | 40.58% | 10.05% | 2.90% |
| Q4 2023 | $163.5M | $194.2M | 41.56% | 10.07% | 3.09% |
| Q1 2024 | $164.7M | $199.4M | 41.33% | 10.38% | 2.65% |
| Q2 2024 | $170.9M | $199.9M | 43.26% | 9.28% | 2.53% |
| Q3 2024 | $171.7M | $205.9M | 42.41% | 8.80% | 2.36% |
| Q4 2024 | $174.5M | $209.5M | 41.66% | 8.64% | 2.32% |
| Q1 2025 | $180.1M | $210.6M | 40.87% | 8.55% | 2.19% |
| Q2 2025 | $188.8M | $215.6M | 40.91% | 8.76% | 2.02% |
| Q3 2025 | $196.2M | $225.0M | 39.66% | 8.83% | 1.89% |
| Q4 2025 | $199.7M | $222.5M | 39.36% | 8.83% | 1.78% |
| Q1 2026 | $204.8M | $235.1M | 41.03% | 8.55% | 1.62% |
| Q2 2026 | $203.9M | $224.6M | 40.07% | 9.11% | 1.62% |
Wayne Bank and Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne Bank and Trust Co., 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 and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1849) · FFIEC NIC profile (RSSD 451246)