Wilson 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.
The standout move of Q2 2026 was in Loans to total assets: 4.55 percentage points higher than in Q1 2026, at 70.41%. Within Kansas, Wilson State Bank is 75th of 182 on loan-to-deposit ratio, 80.13% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Wilson State Bank reported 80.13% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.7M |
| Net loans and leases | $86.0M |
| Loans held for sale | $0 |
| Loans to total assets | 70.41% |
| Loan-to-deposit ratio | 80.13% |
| Net loans to equity capital | 8.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.10% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 19.28% |
| Consumer | 3.58% |
| Credit cards | 0.00% |
| Farm | 38.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.69% |
| 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 | 6.28% |
| Interest income on loans | $1.3M |
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 | $83.5M | $104.5M | 0.53% | 20.63% | 4.37% |
| Q4 2023 | $82.1M | $105.2M | 0.14% | 20.20% | 4.13% |
| Q1 2024 | $82.1M | $105.8M | 0.14% | 20.30% | 4.03% |
| Q2 2024 | $83.0M | $104.4M | 0.06% | 20.18% | 4.16% |
| Q3 2024 | $85.0M | $104.0M | 0.06% | 21.93% | 3.83% |
| Q4 2024 | $84.1M | $103.7M | 0.05% | 21.49% | 3.69% |
| Q1 2025 | $84.7M | $106.4M | 0.05% | 21.42% | 3.65% |
| Q2 2025 | $83.5M | $105.5M | 0.05% | 20.16% | 4.06% |
| Q3 2025 | $85.7M | $104.5M | 0.05% | 20.60% | 3.62% |
| Q4 2025 | $85.6M | $101.6M | 0.25% | 19.46% | 3.55% |
| Q1 2026 | $84.1M | $110.1M | 0.18% | 19.76% | 3.57% |
| Q2 2026 | $86.7M | $108.2M | 0.10% | 19.28% | 3.58% |
Wilson State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson 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 Wilson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12136) · FFIEC NIC profile (RSSD 501655)