Worthington 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): 4.98 percentage points lower than in Q1 2026, at 291.74%. Within Texas, Worthington Bank is 102nd of 346 on loan-to-deposit ratio, 84.21% as of Q2 2026, above the middle of the field. Worthington Bank reported 84.21% on loan-to-deposit ratio for Q2 2026, 3.37 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $496.3M |
| Net loans and leases | $491.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.72% |
| Loan-to-deposit ratio | 84.21% |
| Net loans to equity capital | 7.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.11% |
| Multifamily (5+ residential) | 3.01% |
| Commercial and industrial | 11.52% |
| Consumer | 1.43% |
| Credit cards | 0.00% |
| Farm | 1.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 291.74% |
| Construction concentration (Tier 1 capital + allowance) | 148.67% |
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 | — |
| Interest income on loans | $8.1M |
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 | $387.4M | $493.7M | 39.50% | 7.28% | 1.91% |
| Q4 2023 | $418.7M | $499.5M | 38.21% | 9.42% | 1.77% |
| Q1 2024 | $427.9M | $512.2M | 38.16% | 9.10% | 1.66% |
| Q2 2024 | $447.0M | $522.5M | 38.65% | 9.34% | 1.61% |
| Q3 2024 | $442.4M | $540.4M | 36.10% | 10.97% | 1.68% |
| Q4 2024 | $453.6M | $558.6M | 35.57% | 11.71% | 1.66% |
| Q1 2025 | $462.8M | $581.1M | 35.27% | 11.05% | 1.68% |
| Q2 2025 | $479.9M | $530.3M | 34.58% | 12.87% | 1.44% |
| Q3 2025 | $483.6M | $550.6M | 33.69% | 12.77% | 1.28% |
| Q4 2025 | $488.9M | $550.0M | 32.75% | 12.39% | 1.33% |
| Q1 2026 | $492.3M | $587.3M | 34.01% | 12.13% | 1.37% |
| Q2 2026 | $496.3M | $589.4M | 35.11% | 11.52% | 1.43% |
Worthington Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Worthington 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 Worthington Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57414) · FFIEC NIC profile (RSSD 3150205)