Bank CMG: 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): 45.31 percentage points lower than in Q1 2026, at 82.40%. Within Wisconsin, Bank CMG is 94th of 153 on loan-to-deposit ratio, 84.28% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank CMG sits 3.92 points lower, at 84.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $788.1M |
| Net loans and leases | $780.6M |
| Loans held for sale | $5.6M |
| Loans to total assets | 74.50% |
| Loan-to-deposit ratio | 84.28% |
| Net loans to equity capital | 8.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.27% |
| Multifamily (5+ residential) | 14.89% |
| Commercial and industrial | 14.61% |
| Consumer | 0.12% |
| Credit cards | 0.01% |
| Farm | 0.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.95% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 334.13% |
| Construction concentration (Tier 1 capital + allowance) | 82.40% |
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 | 6.64% |
| Interest income on loans | $12.3M |
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 | $484.9M | $492.0M | 24.61% | 35.77% | 0.32% |
| Q4 2023 | $481.3M | $501.6M | 26.57% | 34.64% | 0.31% |
| Q1 2024 | $462.3M | $504.4M | 27.52% | 33.02% | 0.30% |
| Q2 2024 | $440.2M | $500.9M | 25.57% | 31.14% | 0.31% |
| Q3 2024 | $440.5M | $558.3M | 26.59% | 24.01% | 0.30% |
| Q4 2024 | $495.5M | $555.8M | 25.60% | 18.44% | 0.24% |
| Q1 2025 | $509.8M | $572.2M | 26.27% | 15.47% | 0.26% |
| Q2 2025 | $563.0M | $646.4M | 28.68% | 16.02% | 0.20% |
| Q3 2025 | $625.9M | $715.6M | 27.96% | 13.79% | 0.20% |
| Q4 2025 | $601.5M | $773.7M | 27.28% | 14.14% | 0.21% |
| Q1 2026 | $693.8M | $781.8M | 25.48% | 11.25% | 0.14% |
| Q2 2026 | $788.1M | $935.0M | 22.27% | 14.61% | 0.12% |
Bank CMG loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank CMG, 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 Bank CMG profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11623) · FFIEC NIC profile (RSSD 576644)