West Valley National 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 Loan-to-deposit ratio: 15.75 percentage points higher than in Q1 2026, at 110.66%. On loan-to-deposit ratio, West Valley National Bank ranks 2nd highest among the 12 banks headquartered in Arizona, at 110.66% (Q2 2026). West Valley National Bank's loan-to-deposit ratio of 110.66% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 43.03 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.8M |
| Net loans and leases | $65.0M |
| Loans held for sale | $0 |
| Loans to total assets | 88.52% |
| Loan-to-deposit ratio | 110.66% |
| Net loans to equity capital | 9.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 62.99% |
| Multifamily (5+ residential) | 1.46% |
| Commercial and industrial | 31.23% |
| Consumer | 0.09% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 253.29% |
| Construction concentration (Tier 1 capital + allowance) | 4.44% |
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 | $1.1M |
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 | $59.0M | $62.7M | 69.94% | 25.06% | 0.03% |
| Q4 2023 | $58.3M | $63.7M | 70.53% | 24.44% | 0.04% |
| Q1 2024 | $56.4M | $59.6M | 71.01% | 24.14% | 0.06% |
| Q2 2024 | $56.2M | $55.6M | 71.80% | 23.38% | 0.06% |
| Q3 2024 | $54.6M | $51.9M | 70.97% | 24.05% | 0.12% |
| Q4 2024 | $57.6M | $56.0M | 66.73% | 27.02% | 1.48% |
| Q1 2025 | $55.9M | $61.9M | 66.02% | 28.99% | 0.11% |
| Q2 2025 | $61.9M | $63.7M | 65.02% | 29.24% | 0.11% |
| Q3 2025 | $61.1M | $62.1M | 64.41% | 29.62% | 0.08% |
| Q4 2025 | $69.1M | $62.7M | 61.93% | 32.81% | 0.09% |
| Q1 2026 | $65.4M | $69.0M | 62.49% | 31.96% | 0.12% |
| Q2 2026 | $65.8M | $59.4M | 62.99% | 31.23% | 0.09% |
West Valley National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Valley National 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 Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58426) · FFIEC NIC profile (RSSD 3480069)