The Wilmington Savings Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
The Wilmington Savings Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $211.6M in Q3 2026, up 9.6% from $193.0M in Q3 2025. That is 78.9% of its total assets. Across the 12 quarters shown it ranged from $181.1M (Q4 2023) to $213.8M (Q2 2026).
The standout move of Q3 2026 was in Loans held for sale: 49.7% lower than in Q2 2026, at $6.6M. Within Ohio, The Wilmington Savings Bank is 35th of 154 on loan-to-deposit ratio, 92.72% as of Q3 2026. The Wilmington Savings Bank reported 92.72% on loan-to-deposit ratio for Q3 2026, 11.27 points above the 81.45% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $211.6M |
| Net loans and leases | $205.0M |
| Loans held for sale | $6.6M |
| Loans to total assets | 78.93% |
| Loan-to-deposit ratio | 92.72% |
| Net loans to equity capital | 5.31× |
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 real estate (nonfarm nonresidential), down 0.30 points to 9.07% in Q3 2026 after 9.37% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.07% |
| Multifamily (5+ residential) | 6.19% |
| Commercial and industrial | 1.47% |
| Consumer | 1.55% |
| Credit cards | 0.00% |
| Farm | 1.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
Construction concentration (Tier 1 capital + allowance) moved most in this table, up 2.56 points: 32.10% in Q2 2026, 34.66% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.94% |
| Construction concentration (Tier 1 capital + allowance) | 34.66% |
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
Largest change in this table: yield on loans, up 0.21 points to 4.96% in Q3 2026 after 4.75% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 4.96% |
| Interest income on loans | $2.6M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $181.1M | $156.1M | 12.27% | 0.84% | 2.01% |
| Q1 2024 | $184.7M | $151.9M | 12.23% | 0.81% | 2.01% |
| Q2 2024 | $190.1M | $206.7M | 12.00% | 0.93% | 1.97% |
| Q3 2024 | $186.1M | $204.3M | 12.08% | 0.96% | 2.10% |
| Q4 2024 | $190.7M | $208.1M | 11.65% | 1.30% | 1.97% |
| Q1 2025 | $185.2M | $207.8M | 11.71% | 1.17% | 1.91% |
| Q2 2025 | $197.1M | $214.0M | 10.65% | 1.23% | 1.76% |
| Q3 2025 | $193.0M | $220.6M | 10.66% | 1.43% | 1.84% |
| Q4 2025 | $206.1M | $227.6M | 9.93% | 1.60% | 1.65% |
| Q1 2026 | $210.5M | $225.5M | 9.68% | 1.32% | 1.66% |
| Q2 2026 | $213.8M | $228.1M | 9.37% | 1.49% | 1.62% |
| Q3 2026 | $211.6M | $228.2M | 9.07% | 1.47% | 1.55% |
The Wilmington Savings 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 The Wilmington Savings Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 31539) · FFIEC NIC profile (RSSD 87476)