Bank of Cashton: 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.
Construction concentration (tier 1 capital + allowance) climbed 1.09 percentage points in Q2 2026, from 9.75% to 10.85%. It was the largest change from Q1 2026 among the key lines here. Bank of Cashton ranks 113th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 78.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Cashton sits 2.44 points lower, at 78.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $99.6M |
| Net loans and leases | $98.5M |
| Loans held for sale | $0 |
| Loans to total assets | 68.14% |
| Loan-to-deposit ratio | 78.40% |
| Net loans to equity capital | 6.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.97% |
| Multifamily (5+ residential) | 1.46% |
| Commercial and industrial | 31.75% |
| Consumer | 2.61% |
| Credit cards | 0.00% |
| Farm | 28.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.12% |
| Construction concentration (Tier 1 capital + allowance) | 10.85% |
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 | 6.68% |
| Interest income on loans | $1.7M |
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 | $81.5M | $104.7M | 9.24% | 30.61% | 3.40% |
| Q4 2023 | $83.6M | $107.1M | 9.34% | 31.25% | 3.33% |
| Q1 2024 | $85.5M | $109.4M | 8.80% | 31.19% | 3.52% |
| Q2 2024 | $85.4M | $108.4M | 8.49% | 30.12% | 3.52% |
| Q3 2024 | $86.8M | $111.9M | 9.68% | 29.42% | 3.49% |
| Q4 2024 | $91.8M | $117.9M | 9.93% | 31.68% | 3.34% |
| Q1 2025 | $93.1M | $118.1M | 9.74% | 31.85% | 2.99% |
| Q2 2025 | $95.1M | $116.1M | 8.62% | 31.38% | 2.97% |
| Q3 2025 | $97.3M | $119.8M | 8.27% | 32.47% | 2.68% |
| Q4 2025 | $99.9M | $125.8M | 7.85% | 32.90% | 2.57% |
| Q1 2026 | $99.3M | $126.0M | 7.81% | 31.71% | 2.51% |
| Q2 2026 | $99.6M | $127.0M | 7.97% | 31.75% | 2.61% |
Bank of Cashton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cashton, 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 Cashton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12325) · FFIEC NIC profile (RSSD 458946)