Worthington Federal Savings Bank, F.S.B.: 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.
Cre concentration (tier 1 capital + allowance) dropped 3.03 percentage points in Q2 2026, from 3.03% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Worthington Federal Savings Bank, F.S.B. is 121st of 221 on loan-to-deposit ratio, 78.41% as of Q2 2026, below the middle of the field. Worthington Federal Savings Bank, F.S.B. reported 78.41% on loan-to-deposit ratio for Q2 2026, 2.53 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.9M |
| Net loans and leases | $88.3M |
| Loans held for sale | $0 |
| Loans to total assets | 65.64% |
| Loan-to-deposit ratio | 78.41% |
| Net loans to equity capital | 4.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.38% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.78% |
| Consumer | 4.15% |
| Credit cards | 0.00% |
| Farm | 0.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.56% |
| Interest income on loans | $1.2M |
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 | $68.5M | $82.5M | 0.35% | 0.68% | 5.31% |
| Q4 2023 | $69.5M | $85.1M | 0.70% | 0.62% | 5.18% |
| Q1 2024 | $69.3M | $86.0M | 0.70% | 0.74% | 5.22% |
| Q2 2024 | $70.6M | $85.3M | 0.67% | 0.68% | 4.91% |
| Q3 2024 | $71.2M | $84.4M | 0.66% | 0.67% | 4.82% |
| Q4 2024 | $71.1M | $83.3M | 0.27% | 0.63% | 4.53% |
| Q1 2025 | $71.3M | $86.0M | 0.26% | 0.59% | 4.46% |
| Q2 2025 | $74.0M | $87.2M | 0.24% | 0.57% | 4.33% |
| Q3 2025 | $89.4M | $107.9M | 1.52% | 0.95% | 5.11% |
| Q4 2025 | $88.9M | $107.9M | 1.51% | 1.05% | 4.82% |
| Q1 2026 | $89.9M | $112.7M | 1.45% | 1.15% | 4.27% |
| Q2 2026 | $88.9M | $113.3M | 1.38% | 0.78% | 4.15% |
Worthington Federal Savings Bank, F.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Worthington Federal Savings Bank, F.S.B., 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 Federal Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29426) · FFIEC NIC profile (RSSD 258874)