Williamstown Bank, Inc.: 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): 1.22 percentage points lower than in Q1 2026, at 101.68%. Williamstown Bank, Inc. ranks 12th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 88.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Williamstown Bank, Inc. sits 7.95 points higher, at 88.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $188.5M |
| Net loans and leases | $187.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.64% |
| Loan-to-deposit ratio | 88.79% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.31% |
| Multifamily (5+ residential) | 4.72% |
| Commercial and industrial | 11.42% |
| Consumer | 12.34% |
| Credit cards | 0.00% |
| Farm | 0.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.68% |
| Construction concentration (Tier 1 capital + allowance) | 29.69% |
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 | 6.13% |
| Interest income on loans | $2.9M |
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 | $178.9M | $194.4M | 17.55% | 11.86% | 19.25% |
| Q4 2023 | $180.2M | $192.4M | 17.22% | 11.96% | 19.06% |
| Q1 2024 | $179.5M | $200.7M | 16.78% | 12.63% | 18.70% |
| Q2 2024 | $182.5M | $200.7M | 16.24% | 12.36% | 18.11% |
| Q3 2024 | $183.4M | $198.2M | 16.54% | 11.96% | 17.58% |
| Q4 2024 | $182.5M | $198.9M | 17.69% | 12.00% | 16.88% |
| Q1 2025 | $180.3M | $201.6M | 18.18% | 11.65% | 16.28% |
| Q2 2025 | $183.4M | $202.8M | 19.18% | 11.16% | 15.22% |
| Q3 2025 | $187.3M | $202.2M | 18.66% | 11.44% | 14.03% |
| Q4 2025 | $187.2M | $204.3M | 18.38% | 11.44% | 13.17% |
| Q1 2026 | $186.6M | $212.8M | 17.81% | 11.74% | 12.76% |
| Q2 2026 | $188.5M | $212.3M | 17.31% | 11.42% | 12.34% |
Williamstown Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamstown Bank, Inc., 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 Williamstown Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14744) · FFIEC NIC profile (RSSD 918132)