West Alabama Bank & Trust: 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.
Loan-to-deposit ratio climbed 2.28 percentage points in Q2 2026, from 72.60% to 74.88%. It was the largest change from Q1 2026 among the key lines here. West Alabama Bank & Trust ranks 35th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 74.88% (Q2 2026). West Alabama Bank & Trust reported 74.88% on loan-to-deposit ratio for Q2 2026, 5.96 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $603.9M |
| Net loans and leases | $596.7M |
| Loans held for sale | $0 |
| Loans to total assets | 65.00% |
| Loan-to-deposit ratio | 74.88% |
| Net loans to equity capital | 6.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.48% |
| Multifamily (5+ residential) | 7.58% |
| Commercial and industrial | 11.52% |
| Consumer | 2.09% |
| Credit cards | 0.00% |
| Farm | 11.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.50% |
| Construction concentration (Tier 1 capital + allowance) | 47.87% |
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 | 6.81% |
| Interest income on loans | $10.2M |
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 | $522.5M | $742.7M | 24.61% | 10.57% | 2.01% |
| Q4 2023 | $539.6M | $796.1M | 24.74% | 11.50% | 2.12% |
| Q1 2024 | $533.7M | $773.1M | 26.03% | 10.82% | 2.00% |
| Q2 2024 | $540.2M | $774.6M | 25.77% | 11.02% | 2.08% |
| Q3 2024 | $558.2M | $786.6M | 27.15% | 10.19% | 2.03% |
| Q4 2024 | $592.7M | $854.0M | 26.48% | 10.13% | 1.98% |
| Q1 2025 | $586.0M | $812.5M | 27.40% | 9.83% | 1.88% |
| Q2 2025 | $595.3M | $822.1M | 26.79% | 10.03% | 1.92% |
| Q3 2025 | $586.3M | $822.7M | 27.14% | 9.16% | 1.91% |
| Q4 2025 | $578.9M | $885.4M | 28.34% | 10.05% | 2.09% |
| Q1 2026 | $586.7M | $808.1M | 28.66% | 10.73% | 2.05% |
| Q2 2026 | $603.9M | $806.4M | 30.48% | 11.52% | 2.09% |
West Alabama Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Alabama Bank & Trust, 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 West Alabama Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16175) · FFIEC NIC profile (RSSD 501132)