Wood & Huston 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.
Loan-to-deposit ratio climbed 4.90 percentage points in Q2 2026, from 87.20% to 92.10%. It was the largest change from Q1 2026 among the key lines here. Wood & Huston Bank ranks 61st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 92.10% (Q2 2026). Wood & Huston Bank reported 92.10% on loan-to-deposit ratio for Q2 2026, 3.89 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $996.3M |
| Net loans and leases | $983.3M |
| Loans held for sale | $1.5M |
| Loans to total assets | 80.79% |
| Loan-to-deposit ratio | 92.10% |
| Net loans to equity capital | 7.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.65% |
| Multifamily (5+ residential) | 3.92% |
| Commercial and industrial | 15.10% |
| Consumer | 2.25% |
| Credit cards | 0.00% |
| Farm | 16.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.64% |
| Construction concentration (Tier 1 capital + allowance) | 23.94% |
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 | 6.79% |
| Interest income on loans | $16.3M |
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 | $922.8M | $1.04B | 28.72% | 15.69% | 3.20% |
| Q4 2023 | $920.0M | $1.11B | 29.58% | 15.42% | 3.48% |
| Q1 2024 | $915.0M | $1.06B | 29.75% | 15.46% | 3.25% |
| Q2 2024 | $916.9M | $1.05B | 29.22% | 15.10% | 3.31% |
| Q3 2024 | $927.0M | $1.07B | 29.41% | 15.07% | 3.24% |
| Q4 2024 | $931.5M | $1.15B | 30.10% | 15.54% | 2.44% |
| Q1 2025 | $919.3M | $1.08B | 30.39% | 15.53% | 2.31% |
| Q2 2025 | $938.2M | $1.07B | 31.36% | 15.32% | 1.86% |
| Q3 2025 | $941.5M | $1.06B | 31.51% | 15.22% | 2.22% |
| Q4 2025 | $963.0M | $1.16B | 30.84% | 15.30% | 2.25% |
| Q1 2026 | $943.9M | $1.08B | 30.80% | 14.86% | 2.21% |
| Q2 2026 | $996.3M | $1.08B | 31.65% | 15.10% | 2.25% |
Wood & Huston Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wood & Huston 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 Wood & Huston Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1060) · FFIEC NIC profile (RSSD 671558)