Westside State 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): 11.23 percentage points lower than in Q1 2026, at 75.79%. On loan-to-deposit ratio, Westside State Bank ranks 5th highest among the 225 banks headquartered in Iowa, at 112.85% (Q2 2026). Westside State Bank reported 112.85% on loan-to-deposit ratio for Q2 2026, 32.29 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $235.2M |
| Net loans and leases | $233.2M |
| Loans held for sale | $0 |
| Loans to total assets | 87.52% |
| Loan-to-deposit ratio | 112.85% |
| Net loans to equity capital | 9.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.77% |
| Multifamily (5+ residential) | 1.05% |
| Commercial and industrial | 19.86% |
| Consumer | 5.22% |
| Credit cards | 0.00% |
| Farm | 5.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 75.79% |
| Construction concentration (Tier 1 capital + allowance) | 10.48% |
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 | 6.74% |
| Interest income on loans | $3.9M |
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 | $150.8M | $151.8M | 8.51% | 20.28% | 5.72% |
| Q4 2023 | $153.8M | $153.7M | 8.20% | 22.22% | 6.11% |
| Q1 2024 | $164.3M | $155.6M | 7.44% | 21.18% | 6.16% |
| Q2 2024 | $180.9M | $155.8M | 6.63% | 21.15% | 6.08% |
| Q3 2024 | $187.3M | $163.0M | 6.06% | 22.06% | 6.19% |
| Q4 2024 | $190.9M | $165.7M | 5.85% | 21.12% | 5.78% |
| Q1 2025 | $197.1M | $173.9M | 5.05% | 20.55% | 5.83% |
| Q2 2025 | $208.7M | $180.1M | 4.73% | 20.70% | 5.65% |
| Q3 2025 | $220.6M | $184.1M | 3.42% | 20.71% | 6.02% |
| Q4 2025 | $227.3M | $188.0M | 3.24% | 20.58% | 6.22% |
| Q1 2026 | $232.6M | $190.7M | 2.93% | 20.33% | 5.49% |
| Q2 2026 | $235.2M | $208.4M | 2.77% | 19.86% | 5.22% |
Westside State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Westside State 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 Westside State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18518) · FFIEC NIC profile (RSSD 972143)