Bank of Luxemburg: 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 11.21 percentage points in Q2 2026, from 244.50% to 255.71%. It was the largest change from Q1 2026 among the key lines here. Bank of Luxemburg ranks 77th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 88.84% (Q2 2026). Bank of Luxemburg reported 88.84% on loan-to-deposit ratio for Q2 2026, 8.01 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $557.2M |
| Net loans and leases | $552.2M |
| Loans held for sale | $342K |
| Loans to total assets | 77.03% |
| Loan-to-deposit ratio | 88.84% |
| Net loans to equity capital | 9.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.91% |
| Multifamily (5+ residential) | 11.52% |
| Commercial and industrial | 12.79% |
| Consumer | 3.07% |
| Credit cards | 0.00% |
| Farm | 3.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 255.71% |
| Construction concentration (Tier 1 capital + allowance) | 47.21% |
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 | 6.51% |
| Interest income on loans | $8.9M |
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 | $481.5M | $562.3M | 35.30% | 15.07% | 1.79% |
| Q4 2023 | $499.9M | $568.7M | 36.40% | 14.60% | 1.80% |
| Q1 2024 | $506.8M | $575.8M | 36.87% | 14.63% | 1.69% |
| Q2 2024 | $506.8M | $581.7M | 37.98% | 15.34% | 1.61% |
| Q3 2024 | $505.0M | $585.8M | 37.67% | 14.88% | 1.95% |
| Q4 2024 | $510.0M | $594.1M | 37.65% | 13.74% | 2.01% |
| Q1 2025 | $510.3M | $589.7M | 38.28% | 13.17% | 2.07% |
| Q2 2025 | $533.7M | $620.7M | 38.95% | 14.13% | 2.11% |
| Q3 2025 | $549.1M | $628.4M | 38.48% | 13.74% | 2.09% |
| Q4 2025 | $538.6M | $623.0M | 37.49% | 12.72% | 2.58% |
| Q1 2026 | $546.5M | $631.3M | 36.65% | 13.03% | 2.89% |
| Q2 2026 | $557.2M | $627.2M | 37.91% | 12.79% | 3.07% |
Bank of Luxemburg loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Luxemburg, 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 Luxemburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13264) · FFIEC NIC profile (RSSD 580548)