Westbury 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 CRE concentration (Tier 1 capital + allowance): 31.18 percentage points higher than in Q1 2026, at 341.88%. Westbury Bank ranks 112th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 78.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Westbury Bank reported 78.71% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $549.3M |
| Net loans and leases | $543.4M |
| Loans held for sale | $1.2M |
| Loans to total assets | 71.17% |
| Loan-to-deposit ratio | 78.71% |
| Net loans to equity capital | 8.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.18% |
| Multifamily (5+ residential) | 30.38% |
| Commercial and industrial | 12.45% |
| Consumer | 0.11% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.89% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 341.88% |
| Construction concentration (Tier 1 capital + allowance) | 14.77% |
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 | 5.40% |
| Interest income on loans | $7.3M |
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 | $682.4M | $732.5M | 30.60% | 13.58% | 0.05% |
| Q4 2023 | $682.8M | $724.5M | 30.03% | 13.09% | 0.03% |
| Q1 2024 | $688.6M | $727.3M | 30.73% | 15.12% | 0.03% |
| Q2 2024 | $641.6M | $733.4M | 31.52% | 16.13% | 0.04% |
| Q3 2024 | $628.7M | $737.0M | 31.77% | 15.08% | 0.04% |
| Q4 2024 | $615.6M | $731.0M | 31.31% | 15.09% | 0.13% |
| Q1 2025 | $602.3M | $735.9M | 32.17% | 13.80% | 0.13% |
| Q2 2025 | $581.3M | $724.9M | 32.99% | 14.37% | 0.21% |
| Q3 2025 | $553.3M | $725.4M | 34.05% | 13.37% | 0.29% |
| Q4 2025 | $549.8M | $717.0M | 31.63% | 13.23% | 1.38% |
| Q1 2026 | $527.2M | $706.4M | 32.09% | 12.73% | 0.07% |
| Q2 2026 | $549.3M | $698.0M | 31.18% | 12.45% | 0.11% |
Westbury Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Westbury 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 Westbury Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28400) · FFIEC NIC profile (RSSD 524971)