Woodford 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: 1.00 percentage points higher than in Q1 2026, at 75.47%. Woodford State Bank ranks 43rd of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 97.26% (Q2 2026). Woodford State Bank reported 97.26% on loan-to-deposit ratio for Q2 2026, 16.32 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $395.0M |
| Net loans and leases | $392.5M |
| Loans held for sale | $0 |
| Loans to total assets | 75.47% |
| Loan-to-deposit ratio | 97.26% |
| Net loans to equity capital | 11.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.52% |
| Multifamily (5+ residential) | 4.05% |
| Commercial and industrial | 12.11% |
| Consumer | 0.75% |
| Credit cards | 0.00% |
| Farm | 14.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 161.99% |
| Construction concentration (Tier 1 capital + allowance) | 58.09% |
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 | 6.52% |
| Interest income on loans | $6.3M |
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 | $296.1M | $324.4M | 25.97% | 15.62% | 1.35% |
| Q4 2023 | $303.0M | $342.1M | 25.29% | 15.73% | 1.44% |
| Q1 2024 | $311.4M | $339.2M | 25.34% | 14.95% | 1.32% |
| Q2 2024 | $319.5M | $343.5M | 23.62% | 14.76% | 1.20% |
| Q3 2024 | $325.7M | $344.9M | 23.53% | 13.44% | 1.17% |
| Q4 2024 | $331.5M | $362.5M | 23.58% | 13.27% | 1.13% |
| Q1 2025 | $333.2M | $366.9M | 23.61% | 13.15% | 1.06% |
| Q2 2025 | $342.1M | $377.1M | 24.32% | 12.17% | 1.00% |
| Q3 2025 | $363.0M | $381.1M | 23.79% | 11.95% | 0.91% |
| Q4 2025 | $382.2M | $390.4M | 25.29% | 13.45% | 0.83% |
| Q1 2026 | $379.5M | $393.8M | 24.88% | 12.73% | 0.76% |
| Q2 2026 | $395.0M | $406.1M | 24.52% | 12.11% | 0.75% |
Woodford State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodford 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 Woodford State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10011) · FFIEC NIC profile (RSSD 93244)