WEX 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 Net loans and leases: 12.7% higher than in Q1 2026, at $4.32B. Within Utah, WEX Bank is 37th of 44 on loan-to-deposit ratio, 55.42% as of Q2 2026. WEX Bank reported 55.42% on loan-to-deposit ratio for Q2 2026, 31.46 points below the 86.87% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.38B |
| Net loans and leases | $4.32B |
| Loans held for sale | $0 |
| Loans to total assets | 40.91% |
| Loan-to-deposit ratio | 55.42% |
| Net loans to equity capital | 5.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.19% |
| Commercial and industrial | 99.81% |
| Consumer | 0.00% |
| 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) | 0.84% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 26.00% |
| Interest income on loans | $273.9M |
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 | $3.63B | $5.79B | 0.00% | 99.91% | 0.00% |
| Q4 2023 | $3.05B | $5.36B | 0.00% | 99.88% | 0.00% |
| Q1 2024 | $3.40B | $5.68B | 0.00% | 99.86% | 0.00% |
| Q2 2024 | $3.51B | $5.69B | 0.00% | 99.85% | 0.00% |
| Q3 2024 | $3.33B | $5.50B | 0.00% | 99.83% | 0.00% |
| Q4 2024 | $2.67B | $5.32B | 0.00% | 99.75% | 0.00% |
| Q1 2025 | $3.36B | $5.66B | 0.00% | 99.80% | 0.00% |
| Q2 2025 | $3.78B | $6.51B | 0.00% | 99.82% | 0.00% |
| Q3 2025 | $3.35B | $6.30B | 0.00% | 99.80% | 0.00% |
| Q4 2025 | $3.01B | $6.28B | 0.00% | 99.75% | 0.00% |
| Q1 2026 | $3.89B | $7.03B | 0.00% | 99.80% | 0.00% |
| Q2 2026 | $4.38B | $7.91B | 0.00% | 99.81% | 0.00% |
WEX Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock WEX 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 WEX Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34697) · FFIEC NIC profile (RSSD 2700984)