The Bank of Deerfield: 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 CRE concentration (Tier 1 capital + allowance): 8.68 percentage points lower than in Q1 2026, at 196.74%. The Bank of Deerfield ranks 31st of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 101.50% (Q2 2026). The Bank of Deerfield reported 101.50% on loan-to-deposit ratio for Q2 2026, 20.66 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $234.0M |
| Net loans and leases | $231.0M |
| Loans held for sale | $0 |
| Loans to total assets | 87.21% |
| Loan-to-deposit ratio | 101.50% |
| Net loans to equity capital | 8.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.00% |
| Multifamily (5+ residential) | 2.35% |
| Commercial and industrial | 7.41% |
| Consumer | 0.58% |
| Credit cards | 0.00% |
| Farm | 3.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.77% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.74% |
| Construction concentration (Tier 1 capital + allowance) | 93.47% |
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 | 6.91% |
| Interest income on loans | $4.1M |
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 | $201.6M | $181.9M | 18.74% | 3.84% | 0.84% |
| Q4 2023 | $203.6M | $189.9M | 19.45% | 3.96% | 0.87% |
| Q1 2024 | $205.9M | $190.5M | 20.21% | 4.50% | 0.85% |
| Q2 2024 | $208.3M | $191.7M | 20.64% | 5.06% | 0.84% |
| Q3 2024 | $211.0M | $194.2M | 20.04% | 5.45% | 0.85% |
| Q4 2024 | $207.0M | $198.1M | 19.58% | 5.48% | 0.78% |
| Q1 2025 | $208.0M | $198.8M | 19.78% | 5.76% | 0.77% |
| Q2 2025 | $211.4M | $202.8M | 21.27% | 5.06% | 0.74% |
| Q3 2025 | $227.5M | $215.5M | 19.98% | 6.33% | 0.73% |
| Q4 2025 | $233.9M | $223.8M | 19.60% | 5.61% | 0.84% |
| Q1 2026 | $235.3M | $223.7M | 19.36% | 7.24% | 0.71% |
| Q2 2026 | $234.0M | $230.5M | 18.00% | 7.41% | 0.58% |
The Bank of Deerfield loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Deerfield, 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 Deerfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2477) · FFIEC NIC profile (RSSD 588245)