WNB Financial, N.A.: 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) climbed 5.41 percentage points in Q2 2026, from 146.30% to 151.71%. It was the largest change from Q1 2026 among the key lines here. WNB Financial, N.A. ranks 164th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 68.65% (Q2 2026). WNB Financial, N.A. reported 68.65% on loan-to-deposit ratio for Q2 2026, 12.19 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $352.1M |
| Net loans and leases | $347.7M |
| Loans held for sale | $0 |
| Loans to total assets | 60.31% |
| Loan-to-deposit ratio | 68.65% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.09% |
| Multifamily (5+ residential) | 8.11% |
| Commercial and industrial | 9.03% |
| Consumer | 1.22% |
| Credit cards | 0.00% |
| Farm | 1.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.71% |
| Construction concentration (Tier 1 capital + allowance) | 26.38% |
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 | 5.91% |
| Interest income on loans | $5.1M |
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 | $337.3M | $484.3M | 35.28% | 12.84% | 1.69% |
| Q4 2023 | $347.1M | $479.8M | 36.37% | 13.08% | 1.51% |
| Q1 2024 | $343.7M | $461.5M | 38.50% | 13.13% | 1.65% |
| Q2 2024 | $345.8M | $467.7M | 38.73% | 11.59% | 1.55% |
| Q3 2024 | $344.0M | $476.0M | 38.46% | 11.56% | 1.52% |
| Q4 2024 | $342.1M | $490.9M | 39.12% | 10.08% | 1.55% |
| Q1 2025 | $336.3M | $477.9M | 39.39% | 9.92% | 1.45% |
| Q2 2025 | $351.4M | $490.9M | 37.77% | 11.77% | 1.37% |
| Q3 2025 | $358.3M | $492.8M | 40.89% | 10.26% | 1.46% |
| Q4 2025 | $352.2M | $515.5M | 40.94% | 8.72% | 1.37% |
| Q1 2026 | $345.2M | $499.9M | 39.66% | 9.34% | 1.29% |
| Q2 2026 | $352.1M | $512.9M | 40.09% | 9.03% | 1.22% |
WNB Financial, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock WNB Financial, N.A., 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 WNB Financial, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5280) · FFIEC NIC profile (RSSD 220059)