The Bank of Kaukauna: 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 7.97 percentage points in Q2 2026, from 227.82% to 235.79%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, The Bank of Kaukauna is 87th of 153 on loan-to-deposit ratio, 86.37% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Kaukauna sits 5.54 points higher, at 86.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $132.1M |
| Net loans and leases | $130.6M |
| Loans held for sale | $0 |
| Loans to total assets | 74.92% |
| Loan-to-deposit ratio | 86.37% |
| Net loans to equity capital | 9.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.84% |
| Multifamily (5+ residential) | 4.50% |
| Commercial and industrial | 24.60% |
| Consumer | 0.06% |
| Credit cards | 0.02% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 235.79% |
| Construction concentration (Tier 1 capital + allowance) | 84.70% |
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 | 6.24% |
| Interest income on loans | $2.0M |
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 | $97.0M | $132.5M | 35.01% | 32.63% | 0.07% |
| Q4 2023 | $108.2M | $140.3M | 34.88% | 34.76% | 0.07% |
| Q1 2024 | $105.8M | $128.6M | 36.74% | 29.96% | 0.05% |
| Q2 2024 | $110.4M | $130.4M | 36.12% | 30.76% | 0.06% |
| Q3 2024 | $117.0M | $141.4M | 38.93% | 27.74% | 0.06% |
| Q4 2024 | $118.0M | $151.3M | 37.89% | 26.78% | 0.04% |
| Q1 2025 | $118.1M | $148.8M | 37.49% | 26.89% | 0.08% |
| Q2 2025 | $117.9M | $143.2M | 38.17% | 25.60% | 0.08% |
| Q3 2025 | $117.7M | $153.0M | 36.88% | 24.14% | 0.08% |
| Q4 2025 | $123.6M | $165.5M | 36.58% | 23.42% | 0.06% |
| Q1 2026 | $126.5M | $144.2M | 39.79% | 22.68% | 0.06% |
| Q2 2026 | $132.1M | $152.9M | 38.84% | 24.60% | 0.06% |
The Bank of Kaukauna loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Kaukauna, 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 Kaukauna profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15228) · FFIEC NIC profile (RSSD 380944)