Whitesville 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.
Construction concentration (tier 1 capital + allowance) climbed 4.73 percentage points in Q2 2026, from 15.64% to 20.37%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, Whitesville State Bank is 34th of 41 on loan-to-deposit ratio, 60.35% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Whitesville State Bank sits 20.49 points lower, at 60.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.2M |
| Net loans and leases | $75.5M |
| Loans held for sale | $0 |
| Loans to total assets | 55.37% |
| Loan-to-deposit ratio | 60.35% |
| Net loans to equity capital | 7.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.81% |
| Multifamily (5+ residential) | 0.05% |
| Commercial and industrial | 4.78% |
| Consumer | 30.30% |
| 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) | 77.35% |
| Construction concentration (Tier 1 capital + allowance) | 20.37% |
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 | 7.71% |
| Interest income on loans | $1.4M |
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 | $70.2M | $124.0M | 9.18% | 2.48% | 33.13% |
| Q4 2023 | $70.8M | $125.0M | 9.49% | 3.29% | 32.61% |
| Q1 2024 | $70.5M | $125.2M | 9.29% | 3.83% | 31.74% |
| Q2 2024 | $70.3M | $122.4M | 10.28% | 3.56% | 31.43% |
| Q3 2024 | $70.7M | $122.0M | 10.84% | 4.23% | 31.07% |
| Q4 2024 | $69.8M | $121.9M | 10.32% | 4.10% | 30.80% |
| Q1 2025 | $69.3M | $125.1M | 10.62% | 3.98% | 30.41% |
| Q2 2025 | $69.8M | $124.5M | 10.20% | 3.88% | 31.22% |
| Q3 2025 | $73.4M | $127.6M | 9.60% | 3.20% | 31.31% |
| Q4 2025 | $74.5M | $125.1M | 10.58% | 3.89% | 31.07% |
| Q1 2026 | $74.8M | $124.8M | 10.90% | 3.94% | 30.82% |
| Q2 2026 | $76.2M | $126.3M | 10.81% | 4.78% | 30.30% |
Whitesville State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Whitesville 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 Whitesville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16453) · FFIEC NIC profile (RSSD 732637)