Wellington State 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.
Cre concentration (tier 1 capital + allowance) climbed 2.21 percentage points in Q2 2026, from 223.02% to 225.23%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Wellington State Bank is 255th of 346 on loan-to-deposit ratio, 57.31% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wellington State Bank sits 23.53 points lower, at 57.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $343.6M |
| Net loans and leases | $338.5M |
| Loans held for sale | $0 |
| Loans to total assets | 52.07% |
| Loan-to-deposit ratio | 57.31% |
| Net loans to equity capital | 6.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.75% |
| Multifamily (5+ residential) | 4.85% |
| Commercial and industrial | 6.81% |
| Consumer | 2.07% |
| Credit cards | 0.00% |
| Farm | 9.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 225.23% |
| Construction concentration (Tier 1 capital + allowance) | 56.99% |
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 | 7.46% |
| Interest income on loans | $6.4M |
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 | $357.0M | $468.9M | 38.33% | 5.55% | 2.27% |
| Q4 2023 | $353.9M | $492.1M | 37.98% | 6.38% | 2.29% |
| Q1 2024 | $345.1M | $519.0M | 37.20% | 7.07% | 2.39% |
| Q2 2024 | $354.3M | $518.3M | 35.05% | 6.69% | 2.34% |
| Q3 2024 | $350.6M | $530.5M | 34.28% | 6.94% | 2.35% |
| Q4 2024 | $357.4M | $545.0M | 35.79% | 7.66% | 2.39% |
| Q1 2025 | $343.9M | $544.0M | 37.23% | 8.75% | 2.31% |
| Q2 2025 | $350.1M | $546.3M | 39.80% | 8.12% | 2.26% |
| Q3 2025 | $340.7M | $575.2M | 36.93% | 7.63% | 2.45% |
| Q4 2025 | $348.3M | $593.1M | 36.64% | 7.21% | 2.11% |
| Q1 2026 | $341.6M | $590.3M | 36.61% | 7.19% | 2.00% |
| Q2 2026 | $343.6M | $599.4M | 37.75% | 6.81% | 2.07% |
Wellington State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wellington State 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 Wellington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1219) · FFIEC NIC profile (RSSD 371362)