Wellworth 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.
Loans held for sale dropped 87.0% in Q2 2026, from $1.4M to $188K. It was the largest change from Q1 2026 among the key lines here. Wellworth Bank ranks 60th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 82.35% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Wellworth Bank sits 5.85 points lower, at 82.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.27B |
| Net loans and leases | $1.25B |
| Loans held for sale | $188K |
| Loans to total assets | 68.84% |
| Loan-to-deposit ratio | 82.35% |
| Net loans to equity capital | 6.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.52% |
| Multifamily (5+ residential) | 3.26% |
| Commercial and industrial | 6.27% |
| Consumer | 3.02% |
| Credit cards | 0.00% |
| Farm | 5.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.37% |
| Construction concentration (Tier 1 capital + allowance) | 112.07% |
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 | 6.91% |
| Interest income on loans | $21.7M |
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 | $1.00B | $1.33B | 27.72% | 6.65% | 4.76% |
| Q4 2023 | $1.04B | $1.33B | 28.16% | 6.49% | 4.46% |
| Q1 2024 | $1.07B | $1.37B | 29.07% | 6.48% | 4.30% |
| Q2 2024 | $1.10B | $1.36B | 28.64% | 6.28% | 4.13% |
| Q3 2024 | $1.14B | $1.36B | 26.87% | 5.84% | 3.90% |
| Q4 2024 | $1.17B | $1.37B | 26.16% | 5.96% | 3.77% |
| Q1 2025 | $1.17B | $1.40B | 26.10% | 5.81% | 3.74% |
| Q2 2025 | $1.20B | $1.42B | 25.88% | 5.59% | 3.71% |
| Q3 2025 | $1.22B | $1.43B | 25.40% | 5.75% | 3.62% |
| Q4 2025 | $1.23B | $1.45B | 25.92% | 6.15% | 3.56% |
| Q1 2026 | $1.24B | $1.50B | 25.80% | 6.10% | 3.40% |
| Q2 2026 | $1.27B | $1.54B | 25.52% | 6.27% | 3.02% |
Wellworth Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wellworth 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 Wellworth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1711) · FFIEC NIC profile (RSSD 63733)