Woodsfield Savings 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 Construction concentration (Tier 1 capital + allowance): 3.22 percentage points higher than in Q1 2026, at 49.26%. Within Ohio, Woodsfield Savings Bank is 89th of 156 on loan-to-deposit ratio, 79.34% as of Q2 2026, below the middle of the field. At 79.34%, Woodsfield Savings Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.4M |
| Net loans and leases | $88.5M |
| Loans held for sale | $0 |
| Loans to total assets | 72.51% |
| Loan-to-deposit ratio | 79.34% |
| Net loans to equity capital | 8.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.35% |
| Multifamily (5+ residential) | 0.04% |
| Commercial and industrial | 7.44% |
| Consumer | 12.40% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 108.56% |
| Construction concentration (Tier 1 capital + allowance) | 49.26% |
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 | 6.50% |
| Interest income on loans | $1.4M |
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 | $69.1M | $92.7M | 9.80% | 5.74% | 14.92% |
| Q4 2023 | $70.2M | $94.1M | 9.52% | 5.34% | 15.30% |
| Q1 2024 | $71.6M | $101.4M | 10.12% | 6.03% | 14.73% |
| Q2 2024 | $75.5M | $101.5M | 8.72% | 8.04% | 14.89% |
| Q3 2024 | $78.0M | $99.4M | 9.26% | 6.38% | 14.65% |
| Q4 2024 | $78.8M | $100.1M | 10.23% | 5.77% | 14.54% |
| Q1 2025 | $79.4M | $104.4M | 10.38% | 5.67% | 14.19% |
| Q2 2025 | $81.2M | $104.5M | 10.44% | 6.29% | 13.96% |
| Q3 2025 | $82.7M | $102.6M | 10.19% | 6.16% | 14.06% |
| Q4 2025 | $85.4M | $104.8M | 10.91% | 6.27% | 13.01% |
| Q1 2026 | $87.0M | $111.4M | 10.20% | 7.28% | 12.94% |
| Q2 2026 | $89.4M | $112.7M | 10.35% | 7.44% | 12.40% |
Woodsfield Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodsfield Savings 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 Woodsfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32292) · FFIEC NIC profile (RSSD 97279)