Bank of Mauston: 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 10.74 percentage points in Q2 2026, from 30.21% to 40.95%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Bank of Mauston is 131st of 153 on loan-to-deposit ratio, 67.37% as of Q2 2026, below the middle of the field. Bank of Mauston reported 67.37% on loan-to-deposit ratio for Q2 2026, 13.47 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $247.8M |
| Net loans and leases | $243.1M |
| Loans held for sale | $0 |
| Loans to total assets | 58.06% |
| Loan-to-deposit ratio | 67.37% |
| Net loans to equity capital | 4.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.03% |
| Multifamily (5+ residential) | 3.75% |
| Commercial and industrial | 11.84% |
| Consumer | 1.38% |
| Credit cards | 0.00% |
| Farm | 0.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.23% |
| Construction concentration (Tier 1 capital + allowance) | 40.95% |
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 | 7.06% |
| Interest income on loans | $4.4M |
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 | $229.3M | $324.3M | 59.95% | 5.44% | 2.17% |
| Q4 2023 | $228.2M | $338.9M | 58.47% | 6.17% | 2.13% |
| Q1 2024 | $228.7M | $331.6M | 58.95% | 6.80% | 1.99% |
| Q2 2024 | $237.8M | $342.3M | 56.78% | 8.15% | 1.86% |
| Q3 2024 | $233.6M | $336.3M | 55.73% | 8.57% | 1.88% |
| Q4 2024 | $235.9M | $352.2M | 55.69% | 8.49% | 1.80% |
| Q1 2025 | $238.5M | $343.1M | 56.05% | 8.18% | 1.72% |
| Q2 2025 | $243.4M | $347.6M | 56.62% | 8.54% | 2.03% |
| Q3 2025 | $240.7M | $347.1M | 58.12% | 7.97% | 2.21% |
| Q4 2025 | $250.3M | $370.9M | 57.08% | 8.29% | 3.26% |
| Q1 2026 | $245.8M | $362.4M | 57.34% | 10.60% | 1.80% |
| Q2 2026 | $247.8M | $367.7M | 52.03% | 11.84% | 1.38% |
Bank of Mauston loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Mauston, 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 Mauston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12327) · FFIEC NIC profile (RSSD 601443)