American National Bank-Fox Cities: 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 Construction concentration (Tier 1 capital + allowance): 10.92 percentage points higher than in Q1 2026, at 21.82%. American National Bank-Fox Cities ranks 52nd of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 94.52% (Q2 2026). American National Bank-Fox Cities reported 94.52% on loan-to-deposit ratio for Q2 2026, 13.57 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $334.1M |
| Net loans and leases | $330.7M |
| Loans held for sale | $0 |
| Loans to total assets | 77.23% |
| Loan-to-deposit ratio | 94.52% |
| Net loans to equity capital | 6.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.70% |
| Multifamily (5+ residential) | 6.88% |
| Commercial and industrial | 23.00% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 135.71% |
| Construction concentration (Tier 1 capital + allowance) | 21.82% |
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 | 6.47% |
| Interest income on loans | $5.4M |
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 | $274.0M | $314.9M | 53.96% | 24.36% | 0.20% |
| Q4 2023 | $282.9M | $303.1M | 52.70% | 25.58% | 0.18% |
| Q1 2024 | $293.6M | $325.3M | 50.61% | 26.86% | 0.12% |
| Q2 2024 | $303.3M | $326.4M | 49.78% | 26.73% | 0.10% |
| Q3 2024 | $296.7M | $322.7M | 50.28% | 26.75% | 0.09% |
| Q4 2024 | $299.7M | $346.3M | 49.08% | 24.60% | 0.10% |
| Q1 2025 | $319.8M | $355.9M | 52.50% | 23.63% | 0.07% |
| Q2 2025 | $315.8M | $352.5M | 52.20% | 23.86% | 0.09% |
| Q3 2025 | $320.4M | $355.0M | 51.87% | 23.84% | 0.09% |
| Q4 2025 | $327.6M | $350.7M | 53.24% | 23.31% | 0.08% |
| Q1 2026 | $333.2M | $366.4M | 52.71% | 23.93% | 0.07% |
| Q2 2026 | $334.1M | $353.5M | 51.70% | 23.00% | 0.06% |
American National Bank-Fox Cities loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American National Bank-Fox Cities, 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 American National Bank-Fox Cities profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33812) · FFIEC NIC profile (RSSD 2051127)