Bank of Lake Mills: 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): 16.15 percentage points lower than in Q1 2026, at 147.54%. Within Wisconsin, Bank of Lake Mills is 20th of 153 on loan-to-deposit ratio, 106.81% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Lake Mills sits 25.87 points higher, at 106.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $461.7M |
| Net loans and leases | $459.6M |
| Loans held for sale | $221.8M |
| Loans to total assets | 86.50% |
| Loan-to-deposit ratio | 106.81% |
| Net loans to equity capital | 8.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.47% |
| Multifamily (5+ residential) | 12.83% |
| Commercial and industrial | 0.35% |
| Consumer | 48.14% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.54% |
| Construction concentration (Tier 1 capital + allowance) | 32.34% |
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 | 10.02% |
| Interest income on loans | $11.7M |
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 | $288.0M | $267.1M | 12.66% | 0.95% | 28.14% |
| Q4 2023 | $248.0M | $253.6M | 15.06% | 1.08% | 15.79% |
| Q1 2024 | $304.3M | $276.5M | 11.40% | 0.83% | 30.95% |
| Q2 2024 | $270.6M | $248.8M | 12.55% | 0.98% | 21.29% |
| Q3 2024 | $357.7M | $283.6M | 9.40% | 0.82% | 39.53% |
| Q4 2024 | $349.3M | $329.1M | 9.53% | 0.71% | 37.05% |
| Q1 2025 | $425.0M | $370.6M | 7.72% | 0.55% | 47.99% |
| Q2 2025 | $321.7M | $326.0M | 10.03% | 0.71% | 30.71% |
| Q3 2025 | $421.2M | $440.9M | 7.38% | 0.40% | 44.88% |
| Q4 2025 | $419.0M | $407.5M | 7.94% | 0.41% | 45.53% |
| Q1 2026 | $460.4M | $401.0M | 7.59% | 0.32% | 49.24% |
| Q2 2026 | $461.7M | $432.3M | 8.47% | 0.35% | 48.14% |
Bank of Lake Mills loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lake Mills, 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 Lake Mills profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8695) · FFIEC NIC profile (RSSD 477349)