Bank of Alma: 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: 2.34 percentage points higher than in Q1 2026, at 121.25%. Among 153 Wisconsin banks, Bank of Alma sits 5th from the top on loan-to-deposit ratio, 121.25% as of Q2 2026. Bank of Alma reported 121.25% on loan-to-deposit ratio for Q2 2026, 40.41 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.7M |
| Net loans and leases | $198.7M |
| Loans held for sale | $0 |
| Loans to total assets | 59.39% |
| Loan-to-deposit ratio | 121.25% |
| Net loans to equity capital | 1.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.20% |
| Multifamily (5+ residential) | 10.83% |
| Commercial and industrial | 3.11% |
| Consumer | 0.57% |
| Credit cards | 0.01% |
| Farm | 4.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 10.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.47% |
| Construction concentration (Tier 1 capital + allowance) | 3.54% |
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 | 6.88% |
| 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 | $200.4M | $163.3M | 50.60% | 5.85% | 0.78% |
| Q4 2023 | $200.5M | $159.8M | 49.40% | 6.09% | 0.82% |
| Q1 2024 | $201.3M | $154.7M | 49.03% | 5.88% | 0.83% |
| Q2 2024 | $193.5M | $149.6M | 49.16% | 7.08% | 0.94% |
| Q3 2024 | $192.5M | $151.7M | 47.14% | 6.56% | 0.92% |
| Q4 2024 | $195.0M | $160.0M | 47.62% | 6.57% | 0.90% |
| Q1 2025 | $194.0M | $162.4M | 49.14% | 5.65% | 0.90% |
| Q2 2025 | $180.4M | $163.4M | 56.01% | 5.84% | 0.88% |
| Q3 2025 | $183.7M | $161.3M | 56.46% | 5.52% | 0.78% |
| Q4 2025 | $197.2M | $166.1M | 52.27% | 5.02% | 0.68% |
| Q1 2026 | $200.4M | $168.5M | 56.09% | 3.76% | 0.60% |
| Q2 2026 | $201.7M | $166.3M | 54.20% | 3.11% | 0.57% |
Bank of Alma loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Alma, 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 of Alma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26689) · FFIEC NIC profile (RSSD 564052)