Western 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.
Cre concentration (tier 1 capital + allowance) climbed 30.53 percentage points in Q2 2026, from 249.40% to 279.92%. It was the largest change from Q1 2026 among the key lines here. Western National Bank ranks 84th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 86.17% (Q2 2026). Western National Bank reported 86.17% on loan-to-deposit ratio for Q2 2026, 5.22 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.7M |
| Net loans and leases | $92.8M |
| Loans held for sale | $0 |
| Loans to total assets | 69.02% |
| Loan-to-deposit ratio | 86.17% |
| Net loans to equity capital | 6.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.11% |
| Multifamily (5+ residential) | 4.01% |
| Commercial and industrial | 6.92% |
| Consumer | 2.35% |
| Credit cards | 0.83% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 279.92% |
| Construction concentration (Tier 1 capital + allowance) | 16.70% |
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 | 6.93% |
| Interest income on loans | $1.6M |
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 | $66.7M | $103.2M | 52.99% | 9.29% | 2.65% |
| Q4 2023 | $66.3M | $105.6M | 50.72% | 9.36% | 2.50% |
| Q1 2024 | $66.2M | $104.7M | 49.47% | 8.48% | 2.62% |
| Q2 2024 | $69.2M | $99.2M | 47.42% | 8.40% | 2.66% |
| Q3 2024 | $72.7M | $104.5M | 49.35% | 8.09% | 3.37% |
| Q4 2024 | $74.8M | $96.9M | 48.67% | 9.04% | 2.68% |
| Q1 2025 | $74.9M | $95.4M | 49.42% | 9.12% | 2.55% |
| Q2 2025 | $79.3M | $103.6M | 47.29% | 7.40% | 2.97% |
| Q3 2025 | $82.5M | $106.8M | 47.94% | 7.50% | 2.83% |
| Q4 2025 | $84.9M | $106.0M | 47.77% | 6.97% | 2.66% |
| Q1 2026 | $85.7M | $108.0M | 49.00% | 7.48% | 2.76% |
| Q2 2026 | $93.7M | $108.8M | 52.11% | 6.92% | 2.35% |
Western National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western 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 Western National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5131) · FFIEC NIC profile (RSSD 127055)