The Bank of New Glarus: 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) dropped 3.51 percentage points in Q2 2026, from 85.44% to 81.93%. It was the largest change from Q1 2026 among the key lines here. The Bank of New Glarus ranks 45th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 96.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of New Glarus sits 15.90 points higher, at 96.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $626.3M |
| Net loans and leases | $618.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.09% |
| Loan-to-deposit ratio | 96.74% |
| Net loans to equity capital | 7.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.31% |
| Multifamily (5+ residential) | 5.51% |
| Commercial and industrial | 10.55% |
| Consumer | 1.65% |
| Credit cards | 0.06% |
| Farm | 14.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.78% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.50% |
| Construction concentration (Tier 1 capital + allowance) | 81.93% |
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 | — |
| Interest income on loans | $10.8M |
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 | $336.1M | $388.7M | 23.49% | 17.88% | 2.01% |
| Q4 2023 | $355.6M | $403.0M | 21.86% | 17.12% | 1.87% |
| Q1 2024 | $363.9M | $402.2M | 21.84% | 16.89% | 1.80% |
| Q2 2024 | $533.0M | $591.6M | 17.62% | 13.56% | 2.29% |
| Q3 2024 | $550.0M | $581.0M | 17.00% | 13.79% | 2.16% |
| Q4 2024 | $552.0M | $594.0M | 16.80% | 13.14% | 2.14% |
| Q1 2025 | $570.3M | $591.2M | 16.56% | 12.42% | 2.05% |
| Q2 2025 | $589.0M | $602.1M | 17.88% | 12.03% | 2.01% |
| Q3 2025 | $602.0M | $604.3M | 19.58% | 12.21% | 1.84% |
| Q4 2025 | $617.7M | $635.9M | 19.10% | 11.90% | 1.73% |
| Q1 2026 | $611.2M | $644.0M | 20.00% | 11.20% | 1.64% |
| Q2 2026 | $626.3M | $647.4M | 21.31% | 10.55% | 1.65% |
The Bank of New Glarus loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of New Glarus, 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 New Glarus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10378) · FFIEC NIC profile (RSSD 797140)