Wyoming Community 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.
Construction concentration (tier 1 capital + allowance) dropped 15.45 percentage points in Q2 2026, from 44.49% to 29.05%. It was the largest change from Q1 2026 among the key lines here. Wyoming Community Bank ranks 10th of 23 Wyoming banks on loan-to-deposit ratio, in the upper half at 72.04% (Q2 2026). Wyoming Community Bank reported 72.04% on loan-to-deposit ratio for Q2 2026, 8.80 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $168.8M |
| Net loans and leases | $166.5M |
| Loans held for sale | $189K |
| Loans to total assets | 64.32% |
| Loan-to-deposit ratio | 72.04% |
| Net loans to equity capital | 7.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.65% |
| Multifamily (5+ residential) | 0.13% |
| Commercial and industrial | 12.57% |
| Consumer | 6.94% |
| Credit cards | 0.00% |
| Farm | 13.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 75.11% |
| Construction concentration (Tier 1 capital + allowance) | 29.05% |
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 | 7.12% |
| Interest income on loans | $2.9M |
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 | $134.7M | $205.2M | 27.26% | 11.82% | 6.38% |
| Q4 2023 | $129.6M | $194.6M | 28.92% | 12.05% | 6.44% |
| Q1 2024 | $125.1M | $199.0M | 30.46% | 12.64% | 6.67% |
| Q2 2024 | $132.9M | $207.1M | 29.35% | 13.02% | 6.95% |
| Q3 2024 | $139.3M | $207.2M | 26.86% | 12.85% | 8.04% |
| Q4 2024 | $142.6M | $209.9M | 25.90% | 13.36% | 7.97% |
| Q1 2025 | $144.9M | $220.0M | 24.75% | 14.18% | 7.95% |
| Q2 2025 | $149.5M | $220.9M | 22.90% | 14.79% | 7.92% |
| Q3 2025 | $153.0M | $225.7M | 20.88% | 14.41% | 7.87% |
| Q4 2025 | $161.8M | $226.5M | 21.65% | 13.03% | 7.18% |
| Q1 2026 | $161.5M | $230.4M | 21.50% | 14.50% | 6.95% |
| Q2 2026 | $168.8M | $234.3M | 20.65% | 12.57% | 6.94% |
Wyoming Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wyoming Community 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 Wyoming Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35220) · FFIEC NIC profile (RSSD 2806840)