Woodland 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.
Cre concentration (tier 1 capital + allowance) climbed 6.46 percentage points in Q2 2026, from 192.99% to 199.46%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Woodland Bank is 65th of 221 on loan-to-deposit ratio, 90.03% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Woodland Bank sits 9.20 points higher, at 90.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $136.8M |
| Net loans and leases | $135.5M |
| Loans held for sale | $200K |
| Loans to total assets | 77.10% |
| Loan-to-deposit ratio | 90.03% |
| Net loans to equity capital | 9.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.28% |
| Multifamily (5+ residential) | 0.87% |
| Commercial and industrial | 14.01% |
| Consumer | 5.19% |
| Credit cards | 0.00% |
| Farm | 0.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.46% |
| Construction concentration (Tier 1 capital + allowance) | 92.54% |
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 | 7.31% |
| Interest income on loans | $2.5M |
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 | $108.4M | $128.6M | 26.92% | 17.63% | 6.61% |
| Q4 2023 | $109.8M | $126.0M | 26.65% | 17.09% | 6.52% |
| Q1 2024 | $114.6M | $127.4M | 26.08% | 16.80% | 6.46% |
| Q2 2024 | $118.8M | $133.8M | 25.47% | 16.53% | 6.52% |
| Q3 2024 | $121.6M | $137.6M | 25.52% | 16.49% | 6.37% |
| Q4 2024 | $124.0M | $135.6M | 27.79% | 15.33% | 6.18% |
| Q1 2025 | $122.3M | $137.2M | 29.52% | 14.80% | 6.17% |
| Q2 2025 | $125.5M | $142.6M | 30.17% | 14.00% | 6.27% |
| Q3 2025 | $128.6M | $146.0M | 29.95% | 13.78% | 5.78% |
| Q4 2025 | $130.9M | $141.7M | 30.15% | 13.26% | 5.65% |
| Q1 2026 | $131.8M | $148.0M | 30.70% | 13.47% | 5.31% |
| Q2 2026 | $136.8M | $152.0M | 30.28% | 14.01% | 5.19% |
Woodland Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodland 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 Woodland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8863) · FFIEC NIC profile (RSSD 788652)