Bank of Milton: 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 9.57 percentage points in Q2 2026, from 187.34% to 196.91%. It was the largest change from Q1 2026 among the key lines here. Bank of Milton ranks 76th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 88.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Milton sits 8.07 points higher, at 88.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $172.2M |
| Net loans and leases | $169.4M |
| Loans held for sale | $0 |
| Loans to total assets | 77.78% |
| Loan-to-deposit ratio | 88.91% |
| Net loans to equity capital | 9.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.97% |
| Multifamily (5+ residential) | 1.96% |
| Commercial and industrial | 9.00% |
| Consumer | 1.52% |
| Credit cards | 0.04% |
| Farm | 2.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.91% |
| Construction concentration (Tier 1 capital + allowance) | 98.03% |
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 | 6.56% |
| Interest income on loans | $2.8M |
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 | $125.0M | $160.9M | 35.87% | 6.53% | 2.08% |
| Q4 2023 | $130.3M | $165.7M | 34.07% | 6.60% | 1.98% |
| Q1 2024 | $133.4M | $170.7M | 37.37% | 7.87% | 1.89% |
| Q2 2024 | $136.9M | $175.8M | 37.65% | 8.04% | 1.93% |
| Q3 2024 | $140.4M | $173.5M | 38.41% | 10.14% | 1.77% |
| Q4 2024 | $143.7M | $187.3M | 36.24% | 9.64% | 1.75% |
| Q1 2025 | $144.7M | $185.8M | 33.96% | 10.19% | 1.64% |
| Q2 2025 | $161.7M | $181.8M | 38.43% | 9.08% | 1.37% |
| Q3 2025 | $166.8M | $188.5M | 37.50% | 9.09% | 1.32% |
| Q4 2025 | $170.4M | $199.5M | 38.67% | 8.30% | 1.50% |
| Q1 2026 | $167.3M | $193.1M | 38.65% | 8.16% | 1.56% |
| Q2 2026 | $172.2M | $193.7M | 38.97% | 9.00% | 1.52% |
Bank of Milton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Milton, 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 Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11232) · FFIEC NIC profile (RSSD 426945)