Woori America 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 largest change between Q1 2026 and Q2 2026 was in Commercial and industrial, which rose 0.59 percentage points to 17.10%. Within New York, Woori America Bank is 48th of 105 on loan-to-deposit ratio, 87.58% as of Q2 2026, above the middle of the field. At 87.58%, Woori America Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.09B |
| Net loans and leases | $3.04B |
| Loans held for sale | $0 |
| Loans to total assets | 75.08% |
| Loan-to-deposit ratio | 87.58% |
| Net loans to equity capital | 5.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.43% |
| Multifamily (5+ residential) | 5.16% |
| Commercial and industrial | 17.10% |
| Consumer | 0.05% |
| Credit cards | 0.05% |
| 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) | 232.30% |
| Construction concentration (Tier 1 capital + allowance) | 4.45% |
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 | 5.25% |
| Interest income on loans | $40.2M |
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 | $2.64B | $2.67B | 60.07% | 12.80% | 0.06% |
| Q4 2023 | $2.65B | $2.86B | 61.04% | 13.40% | 0.07% |
| Q1 2024 | $2.72B | $2.80B | 60.16% | 14.91% | 0.06% |
| Q2 2024 | $2.85B | $3.04B | 57.92% | 17.38% | 0.06% |
| Q3 2024 | $2.93B | $3.43B | 55.45% | 19.15% | 0.05% |
| Q4 2024 | $2.95B | $3.26B | 55.35% | 18.26% | 0.05% |
| Q1 2025 | $3.07B | $3.17B | 53.54% | 20.10% | 0.05% |
| Q2 2025 | $3.06B | $3.28B | 52.82% | 18.96% | 0.05% |
| Q3 2025 | $3.13B | $3.42B | 51.81% | 18.78% | 0.05% |
| Q4 2025 | $3.04B | $3.38B | 50.67% | 18.13% | 0.05% |
| Q1 2026 | $3.04B | $3.47B | 51.87% | 16.51% | 0.04% |
| Q2 2026 | $3.09B | $3.53B | 51.43% | 17.10% | 0.05% |
Woori America Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woori America 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 Woori America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24920) · FFIEC NIC profile (RSSD 384018)