Wayne County 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 Commercial and industrial: 1.74 percentage points lower than in Q1 2026, at 11.56%. Within Tennessee, Wayne County Bank is 54th of 109 on loan-to-deposit ratio, 83.20% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Wayne County Bank sits 2.65 points higher, at 83.20% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $421.9M |
| Net loans and leases | $416.9M |
| Loans held for sale | $0 |
| Loans to total assets | 70.89% |
| Loan-to-deposit ratio | 83.20% |
| Net loans to equity capital | 5.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.82% |
| Multifamily (5+ residential) | 1.74% |
| Commercial and industrial | 11.56% |
| Consumer | 7.46% |
| Credit cards | 0.00% |
| Farm | 15.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.91% |
| Construction concentration (Tier 1 capital + allowance) | 54.67% |
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 | 7.80% |
| Interest income on loans | $8.3M |
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 | $322.4M | $395.1M | 20.65% | 19.59% | 8.51% |
| Q4 2023 | $334.6M | $406.1M | 22.66% | 19.16% | 8.42% |
| Q1 2024 | $341.5M | $415.6M | 23.16% | 17.50% | 8.24% |
| Q2 2024 | $355.0M | $432.9M | 22.15% | 17.54% | 8.28% |
| Q3 2024 | $364.1M | $448.0M | 22.63% | 15.19% | 8.37% |
| Q4 2024 | $380.4M | $462.8M | 24.31% | 14.23% | 8.12% |
| Q1 2025 | $386.2M | $468.0M | 24.69% | 13.69% | 8.07% |
| Q2 2025 | $405.4M | $488.0M | 24.36% | 13.37% | 7.85% |
| Q3 2025 | $414.0M | $486.4M | 24.75% | 13.22% | 7.60% |
| Q4 2025 | $426.0M | $494.6M | 24.98% | 13.28% | 7.41% |
| Q1 2026 | $421.6M | $496.5M | 23.66% | 13.30% | 7.38% |
| Q2 2026 | $421.9M | $507.1M | 23.82% | 11.56% | 7.46% |
Wayne County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wayne County 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9168) · FFIEC NIC profile (RSSD 511832)