Alliance 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 Loan-to-deposit ratio: 10.16 percentage points lower than in Q1 2026, at 89.94%. Within Wisconsin, Alliance Bank is 73rd of 153 on loan-to-deposit ratio, 89.94% as of Q2 2026, above the middle of the field. Alliance Bank reported 89.94% on loan-to-deposit ratio for Q2 2026, 9.10 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $194.6M |
| Net loans and leases | $192.3M |
| Loans held for sale | $399K |
| Loans to total assets | 73.18% |
| Loan-to-deposit ratio | 89.94% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.87% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.19% |
| Consumer | 2.66% |
| Credit cards | 0.02% |
| Farm | 31.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.67% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 185.98% |
| Construction concentration (Tier 1 capital + allowance) | 15.46% |
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 | $3.4M |
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 | $135.4M | $187.4M | 18.45% | 2.58% | 4.26% |
| Q4 2023 | $142.4M | $186.4M | 17.75% | 3.19% | 4.11% |
| Q1 2024 | $148.5M | $188.5M | 19.37% | 3.20% | 4.11% |
| Q2 2024 | $150.5M | $184.3M | 19.44% | 3.32% | 4.07% |
| Q3 2024 | $159.1M | $182.7M | 18.88% | 4.09% | 3.78% |
| Q4 2024 | $168.0M | $183.7M | 19.70% | 3.80% | 3.52% |
| Q1 2025 | $174.5M | $190.3M | 20.55% | 3.64% | 3.39% |
| Q2 2025 | $182.8M | $191.6M | 20.44% | 3.87% | 3.20% |
| Q3 2025 | $189.0M | $191.8M | 20.53% | 4.15% | 3.07% |
| Q4 2025 | $198.5M | $209.9M | 23.82% | 3.83% | 2.76% |
| Q1 2026 | $202.8M | $202.6M | 23.78% | 4.67% | 2.61% |
| Q2 2026 | $194.6M | $216.4M | 22.87% | 5.19% | 2.66% |
Alliance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12511) · FFIEC NIC profile (RSSD 21658)