West 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.
Construction concentration (tier 1 capital + allowance) dropped 9.83 percentage points in Q2 2026, from 78.29% to 68.47%. It was the largest change from Q1 2026 among the key lines here. West Bank ranks 85th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 88.02% (Q2 2026). At 88.02%, West Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.95B |
| Net loans and leases | $2.92B |
| Loans held for sale | $148K |
| Loans to total assets | 73.22% |
| Loan-to-deposit ratio | 88.02% |
| Net loans to equity capital | 7.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.31% |
| Multifamily (5+ residential) | 17.09% |
| Commercial and industrial | 14.37% |
| Consumer | 0.19% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 378.57% |
| Construction concentration (Tier 1 capital + allowance) | 68.47% |
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 | 5.64% |
| Interest income on loans | $41.8M |
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 | $2.85B | $2.76B | 50.00% | 16.17% | 0.17% |
| Q4 2023 | $2.93B | $2.98B | 48.42% | 15.78% | 0.20% |
| Q1 2024 | $2.98B | $3.07B | 47.18% | 15.91% | 0.22% |
| Q2 2024 | $3.00B | $3.19B | 46.73% | 15.29% | 0.22% |
| Q3 2024 | $3.02B | $3.28B | 46.94% | 15.36% | 0.25% |
| Q4 2024 | $3.00B | $3.36B | 47.29% | 15.44% | 0.25% |
| Q1 2025 | $3.02B | $3.33B | 48.24% | 15.98% | 0.25% |
| Q2 2025 | $2.97B | $3.40B | 47.71% | 15.34% | 0.26% |
| Q3 2025 | $3.01B | $3.31B | 46.85% | 15.47% | 0.25% |
| Q4 2025 | $3.00B | $3.47B | 46.99% | 15.32% | 0.20% |
| Q1 2026 | $2.99B | $3.34B | 48.31% | 14.33% | 0.16% |
| Q2 2026 | $2.95B | $3.35B | 48.31% | 14.37% | 0.19% |
West Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West 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 West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15614) · FFIEC NIC profile (RSSD 139740)