Woodsboro 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): 11.95 percentage points higher than in Q1 2026, at 233.34%. Within Maryland, Woodsboro Bank is 24th of 27 on loan-to-deposit ratio, 77.08% as of Q2 2026, below the middle of the field. Woodsboro Bank reported 77.08% on loan-to-deposit ratio for Q2 2026, 3.76 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $343.7M |
| Net loans and leases | $339.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.10% |
| Loan-to-deposit ratio | 77.08% |
| Net loans to equity capital | 9.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.43% |
| Multifamily (5+ residential) | 7.36% |
| Commercial and industrial | 6.58% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 0.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.34% |
| Construction concentration (Tier 1 capital + allowance) | 30.62% |
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 | 5.75% |
| Interest income on loans | $4.8M |
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 | $268.9M | $388.4M | 38.90% | 9.79% | 0.18% |
| Q4 2023 | $279.9M | $388.1M | 39.40% | 9.61% | 0.19% |
| Q1 2024 | $290.4M | $398.5M | 40.65% | 9.29% | 0.17% |
| Q2 2024 | $296.7M | $418.1M | 42.15% | 8.99% | 0.16% |
| Q3 2024 | $302.6M | $429.9M | 43.15% | 8.41% | 0.15% |
| Q4 2024 | $311.8M | $411.2M | 43.03% | 7.89% | 0.17% |
| Q1 2025 | $317.4M | $413.6M | 43.00% | 7.73% | 0.16% |
| Q2 2025 | $321.6M | $424.9M | 43.21% | 7.00% | 0.16% |
| Q3 2025 | $324.8M | $425.6M | 43.28% | 6.40% | 0.15% |
| Q4 2025 | $329.0M | $417.9M | 43.44% | 6.17% | 0.15% |
| Q1 2026 | $331.0M | $433.3M | 44.52% | 6.04% | 0.10% |
| Q2 2026 | $343.7M | $445.9M | 45.43% | 6.58% | 0.10% |
Woodsboro Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodsboro 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 Woodsboro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5873) · FFIEC NIC profile (RSSD 406022)