The Bank of Brodhead: 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 10.06 percentage points in Q2 2026, from 232.81% to 242.87%. It was the largest change from Q1 2026 among the key lines here. The Bank of Brodhead ranks 80th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 87.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Brodhead sits 6.94 points higher, at 87.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $296.8M |
| Net loans and leases | $293.5M |
| Loans held for sale | $0 |
| Loans to total assets | 70.35% |
| Loan-to-deposit ratio | 87.78% |
| Net loans to equity capital | 7.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.87% |
| Multifamily (5+ residential) | 15.12% |
| Commercial and industrial | 11.64% |
| Consumer | 0.66% |
| Credit cards | 0.00% |
| Farm | 14.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 242.87% |
| Construction concentration (Tier 1 capital + allowance) | 32.30% |
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 | 6.26% |
| Interest income on loans | $4.5M |
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 | $204.9M | $240.5M | 13.37% | 9.52% | 2.18% |
| Q4 2023 | $213.4M | $248.9M | 17.08% | 9.22% | 2.02% |
| Q1 2024 | $220.3M | $254.6M | 16.46% | 9.37% | 1.85% |
| Q2 2024 | $224.3M | $256.2M | 16.15% | 10.13% | 1.78% |
| Q3 2024 | $229.1M | $263.9M | 16.38% | 9.74% | 1.65% |
| Q4 2024 | $235.8M | $273.1M | 17.73% | 9.48% | 1.52% |
| Q1 2025 | $243.4M | $287.7M | 18.91% | 9.16% | 1.35% |
| Q2 2025 | $260.8M | $289.7M | 20.14% | 9.88% | 1.23% |
| Q3 2025 | $275.7M | $321.7M | 20.83% | 9.78% | 1.15% |
| Q4 2025 | $287.9M | $328.6M | 21.12% | 12.03% | 1.04% |
| Q1 2026 | $289.1M | $336.9M | 21.13% | 11.81% | 0.76% |
| Q2 2026 | $296.8M | $338.2M | 22.87% | 11.64% | 0.66% |
The Bank of Brodhead loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Brodhead, 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 The Bank of Brodhead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2455) · FFIEC NIC profile (RSSD 517441)