Woodlands National 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 dropped 2.52 percentage points in Q2 2026, from 43.28% to 40.77%. It was the largest change from Q1 2026 among the key lines here. Woodlands National Bank has the 10th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 40.77% as of Q2 2026. Woodlands National Bank reported 40.77% on loan-to-deposit ratio for Q2 2026, 40.07 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $121.7M |
| Net loans and leases | $119.8M |
| Loans held for sale | $771K |
| Loans to total assets | 36.77% |
| Loan-to-deposit ratio | 40.77% |
| Net loans to equity capital | 3.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.03% |
| Multifamily (5+ residential) | 3.93% |
| Commercial and industrial | 24.82% |
| Consumer | 10.59% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.90% |
| Construction concentration (Tier 1 capital + allowance) | 9.78% |
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 | 6.75% |
| Interest income on loans | $2.1M |
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 | $143.2M | $297.2M | 34.46% | 26.59% | 14.95% |
| Q4 2023 | $137.3M | $301.5M | 35.35% | 26.40% | 15.58% |
| Q1 2024 | $137.3M | $320.6M | 34.80% | 27.90% | 14.37% |
| Q2 2024 | $143.1M | $312.4M | 35.85% | 28.51% | 12.91% |
| Q3 2024 | $140.8M | $320.1M | 34.68% | 28.30% | 13.01% |
| Q4 2024 | $140.2M | $289.6M | 34.12% | 28.41% | 12.64% |
| Q1 2025 | $131.0M | $287.1M | 34.42% | 28.57% | 12.63% |
| Q2 2025 | $131.4M | $288.6M | 33.53% | 29.37% | 11.86% |
| Q3 2025 | $128.5M | $293.4M | 34.24% | 28.17% | 11.71% |
| Q4 2025 | $124.1M | $279.9M | 36.32% | 24.87% | 11.97% |
| Q1 2026 | $122.4M | $282.7M | 37.26% | 25.13% | 11.19% |
| Q2 2026 | $121.7M | $298.5M | 37.03% | 24.82% | 10.59% |
Woodlands National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodlands National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1417) · FFIEC NIC profile (RSSD 980951)