Western State Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Western State Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $2.31B in Q3 2026, up 5.3% from $2.19B in Q3 2025. That is 92.1% of its total assets. Across the 12 quarters shown it ranged from $1.95B (Q4 2023) to $2.31B (Q3 2026).
The standout move of Q3 2026 was in Loans held for sale: 74.4% lower than in Q2 2026, at $690K. On loan-to-deposit ratio, Western State Bank ranks 3rd highest among the 60 banks headquartered in North Dakota, at 111.01% (Q3 2026). Western State Bank reported 111.01% on loan-to-deposit ratio for Q3 2026, 22.88 points above the 88.13% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $2.31B |
| Net loans and leases | $2.27B |
| Loans held for sale | $690K |
| Loans to total assets | 92.12% |
| Loan-to-deposit ratio | 111.01% |
| Net loans to equity capital | 6.59× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Largest change in this table: commercial and industrial, up 0.46 points to 56.49% in Q3 2026 after 56.03% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.84% |
| Multifamily (5+ residential) | 6.63% |
| Commercial and industrial | 56.49% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 0.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
Construction concentration (Tier 1 capital + allowance) changed the most here, down 0.52 points to 35.49% in Q3 2026 from 36.01% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.75% |
| Construction concentration (Tier 1 capital + allowance) | 35.49% |
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
Yield on loans moved most in this table, down 0.02 points: 7.86% in Q2 2026, 7.84% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 7.84% |
| Interest income on loans | $44.6M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $1.95B | $1.88B | 19.31% | 54.20% | 0.63% |
| Q1 2024 | $1.98B | $1.94B | 18.96% | 54.13% | 0.60% |
| Q2 2024 | $2.05B | $1.93B | 18.70% | 54.14% | 0.56% |
| Q3 2024 | $2.07B | $1.99B | 19.79% | 53.25% | 0.57% |
| Q4 2024 | $2.10B | $2.03B | 19.28% | 52.56% | 0.51% |
| Q1 2025 | $2.12B | $2.13B | 18.66% | 52.75% | 0.45% |
| Q2 2025 | $2.19B | $2.07B | 17.82% | 53.01% | 0.48% |
| Q3 2025 | $2.19B | $2.03B | 18.26% | 52.92% | 0.48% |
| Q4 2025 | $2.21B | $2.19B | 18.26% | 54.19% | 0.47% |
| Q1 2026 | $2.20B | $2.21B | 18.80% | 54.54% | 0.47% |
| Q2 2026 | $2.25B | $2.11B | 18.57% | 56.03% | 0.44% |
| Q3 2026 | $2.31B | $2.08B | 18.84% | 56.49% | 0.43% |
Western State Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Western State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 9123) · FFIEC NIC profile (RSSD 233554)