Badger 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.
CRE concentration (Tier 1 capital + allowance) climbed 7.77 percentage points in Q2 2026, from 117.72% to 125.49%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Badger Bank is 91st of 153 on loan-to-deposit ratio, 85.33% as of Q2 2026. Badger Bank reported 85.33% on loan-to-deposit ratio for Q2 2026, 4.77 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $140.5M |
| Net loans and leases | $139.0M |
| Loans held for sale | $0 |
| Loans to total assets | 68.18% |
| Loan-to-deposit ratio | 85.33% |
| Net loans to equity capital | 6.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.87% |
| Multifamily (5+ residential) | 11.68% |
| Commercial and industrial | 4.01% |
| Consumer | 1.10% |
| Credit cards | 0.00% |
| Farm | 1.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.49% |
| Construction concentration (Tier 1 capital + allowance) | 46.53% |
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 | 6.53% |
| Interest income on loans | $2.3M |
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 | $123.5M | $154.9M | 20.55% | 3.09% | 1.91% |
| Q4 2023 | $131.3M | $161.8M | 28.41% | 2.80% | 1.69% |
| Q1 2024 | $130.5M | $162.5M | 27.89% | 2.94% | 1.92% |
| Q2 2024 | $131.1M | $159.5M | 27.90% | 3.26% | 1.72% |
| Q3 2024 | $128.8M | $162.1M | 27.19% | 3.09% | 1.55% |
| Q4 2024 | $130.7M | $169.6M | 26.03% | 3.43% | 1.45% |
| Q1 2025 | $130.7M | $167.7M | 27.02% | 3.25% | 1.29% |
| Q2 2025 | $132.7M | $166.0M | 26.20% | 3.33% | 1.23% |
| Q3 2025 | $135.6M | $168.9M | 25.16% | 2.94% | 1.28% |
| Q4 2025 | $137.3M | $173.3M | 24.41% | 3.11% | 1.03% |
| Q1 2026 | $142.0M | $172.9M | 23.55% | 3.69% | 0.94% |
| Q2 2026 | $140.5M | $164.6M | 21.87% | 4.01% | 1.10% |
Badger Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Badger 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 Badger Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2469) · FFIEC NIC profile (RSSD 846945)