Wilson Bank & Trust: 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.
Cre concentration (tier 1 capital + allowance) dropped 6.66 percentage points in Q2 2026, from 270.82% to 264.16%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Wilson Bank & Trust is 50th of 109 on loan-to-deposit ratio, 84.18% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Wilson Bank & Trust sits 4.02 points lower, at 84.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.48B |
| Net loans and leases | $4.43B |
| Loans held for sale | $4.1M |
| Loans to total assets | 75.01% |
| Loan-to-deposit ratio | 84.18% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.44% |
| Multifamily (5+ residential) | 4.49% |
| Commercial and industrial | 4.07% |
| Consumer | 0.75% |
| Credit cards | 0.00% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 264.16% |
| Construction concentration (Tier 1 capital + allowance) | 119.39% |
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 | 6.65% |
| Interest income on loans | $73.1M |
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 | $3.54B | $4.20B | 30.80% | 3.56% | 1.31% |
| Q4 2023 | $3.60B | $4.38B | 32.37% | 3.55% | 1.26% |
| Q1 2024 | $3.62B | $4.46B | 32.67% | 3.37% | 1.21% |
| Q2 2024 | $3.76B | $4.51B | 32.28% | 3.26% | 1.13% |
| Q3 2024 | $3.99B | $4.72B | 32.90% | 3.35% | 1.14% |
| Q4 2024 | $4.09B | $4.84B | 33.23% | 3.53% | 1.04% |
| Q1 2025 | $4.18B | $4.98B | 33.65% | 3.49% | 0.95% |
| Q2 2025 | $4.29B | $5.06B | 33.56% | 3.51% | 0.92% |
| Q3 2025 | $4.37B | $5.23B | 34.38% | 3.42% | 0.92% |
| Q4 2025 | $4.35B | $5.25B | 33.44% | 4.14% | 0.87% |
| Q1 2026 | $4.40B | $5.35B | 33.79% | 4.01% | 0.80% |
| Q2 2026 | $4.48B | $5.33B | 33.44% | 4.07% | 0.75% |
Wilson Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson Bank & Trust, 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 Wilson Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26962) · FFIEC NIC profile (RSSD 159636)