Bank of Ontario: 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 Commercial and industrial: 3.39 percentage points lower than in Q1 2026, at 13.25%. Within Wisconsin, Bank of Ontario is 44th of 153 on loan-to-deposit ratio, 97.01% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Bank of Ontario sits 29.38 points higher, at 97.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.4M |
| Net loans and leases | $63.9M |
| Loans held for sale | $0 |
| Loans to total assets | 82.80% |
| Loan-to-deposit ratio | 97.01% |
| Net loans to equity capital | 5.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.90% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.25% |
| Consumer | 5.05% |
| Credit cards | 0.00% |
| Farm | 21.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.62% |
| Construction concentration (Tier 1 capital + allowance) | 0.62% |
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 | 7.58% |
| Interest income on loans | $1.2M |
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 | $70.7M | $65.7M | 14.15% | 12.82% | 5.68% |
| Q4 2023 | $70.6M | $64.8M | 14.82% | 13.66% | 5.24% |
| Q1 2024 | $70.1M | $65.4M | 14.95% | 14.71% | 5.16% |
| Q2 2024 | $70.7M | $65.7M | 15.24% | 14.97% | 5.22% |
| Q3 2024 | $70.1M | $68.4M | 15.48% | 15.63% | 5.56% |
| Q4 2024 | $70.2M | $67.9M | 14.57% | 15.29% | 5.83% |
| Q1 2025 | $69.4M | $67.3M | 14.71% | 15.34% | 5.24% |
| Q2 2025 | $65.9M | $68.9M | 18.17% | 15.83% | 5.26% |
| Q3 2025 | $65.9M | $67.1M | 13.37% | 15.05% | 5.44% |
| Q4 2025 | $66.1M | $68.1M | 14.09% | 14.70% | 5.31% |
| Q1 2026 | $66.0M | $68.0M | 13.16% | 16.64% | 5.28% |
| Q2 2026 | $65.4M | $67.4M | 15.90% | 13.25% | 5.05% |
Bank of Ontario loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ontario, 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 Ontario profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21085) · FFIEC NIC profile (RSSD 37341)