Woodlands 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 CRE concentration (Tier 1 capital + allowance): 2.79 percentage points higher than in Q1 2026, at 140.59%. Within Pennsylvania, Woodlands Bank is 75th of 109 on loan-to-deposit ratio, 79.41% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Woodlands Bank reported 79.41% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $456.0M |
| Net loans and leases | $450.6M |
| Loans held for sale | $481K |
| Loans to total assets | 71.21% |
| Loan-to-deposit ratio | 79.41% |
| Net loans to equity capital | 9.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.61% |
| Multifamily (5+ residential) | 3.94% |
| Commercial and industrial | 12.30% |
| Consumer | 1.19% |
| Credit cards | 0.00% |
| Farm | 2.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.59% |
| Construction concentration (Tier 1 capital + allowance) | 9.97% |
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 | 5.64% |
| 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 | $440.8M | $529.7M | 30.62% | 15.29% | 0.23% |
| Q4 2023 | $439.0M | $513.1M | 31.70% | 13.69% | 0.25% |
| Q1 2024 | $441.7M | $523.6M | 31.29% | 13.72% | 0.26% |
| Q2 2024 | $452.9M | $523.6M | 30.85% | 13.82% | 0.39% |
| Q3 2024 | $450.8M | $539.0M | 30.97% | 13.74% | 0.45% |
| Q4 2024 | $446.8M | $535.9M | 30.89% | 13.59% | 0.67% |
| Q1 2025 | $440.7M | $547.2M | 30.52% | 13.62% | 0.71% |
| Q2 2025 | $438.8M | $555.1M | 31.46% | 13.55% | 0.84% |
| Q3 2025 | $441.4M | $570.8M | 31.46% | 12.94% | 0.92% |
| Q4 2025 | $439.8M | $553.6M | 32.23% | 12.84% | 0.99% |
| Q1 2026 | $439.2M | $569.8M | 31.99% | 13.25% | 0.99% |
| Q2 2026 | $456.0M | $574.2M | 33.61% | 12.30% | 1.19% |
Woodlands Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodlands 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 Woodlands Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33136) · FFIEC NIC profile (RSSD 1479470)