Abbybank: 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) climbed 13.04 percentage points in Q2 2026, from 220.32% to 233.37%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Abbybank is 121st of 153 on loan-to-deposit ratio, 75.89% as of Q2 2026, below the middle of the field. Abbybank reported 75.89% on loan-to-deposit ratio for Q2 2026, 4.95 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $440.3M |
| Net loans and leases | $435.3M |
| Loans held for sale | $864K |
| Loans to total assets | 66.49% |
| Loan-to-deposit ratio | 75.89% |
| Net loans to equity capital | 8.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.56% |
| Multifamily (5+ residential) | 6.73% |
| Commercial and industrial | 6.45% |
| Consumer | 0.20% |
| Credit cards | 0.00% |
| Farm | 17.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.37% |
| Construction concentration (Tier 1 capital + allowance) | 35.14% |
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 | 6.38% |
| Interest income on loans | $7.0M |
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 | $416.5M | $545.7M | 35.65% | 5.45% | 0.41% |
| Q4 2023 | $428.1M | $547.7M | 34.79% | 5.92% | 0.35% |
| Q1 2024 | $430.8M | $534.8M | 36.28% | 6.57% | 0.36% |
| Q2 2024 | $443.7M | $541.2M | 38.32% | 6.71% | 0.37% |
| Q3 2024 | $438.7M | $540.7M | 37.05% | 6.90% | 0.33% |
| Q4 2024 | $429.7M | $542.5M | 37.26% | 7.60% | 0.29% |
| Q1 2025 | $429.2M | $549.8M | 36.80% | 7.06% | 0.25% |
| Q2 2025 | $429.8M | $557.1M | 37.98% | 7.60% | 0.26% |
| Q3 2025 | $429.1M | $555.2M | 37.42% | 7.64% | 0.27% |
| Q4 2025 | $430.3M | $571.9M | 37.78% | 7.09% | 0.30% |
| Q1 2026 | $424.7M | $565.3M | 37.02% | 6.95% | 0.23% |
| Q2 2026 | $440.3M | $580.2M | 37.56% | 6.45% | 0.20% |
Abbybank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Abbybank, 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 Abbybank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19795) · FFIEC NIC profile (RSSD 198149)