Bank of Prairie Du Sac: 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 CRE concentration (Tier 1 capital + allowance): 9.53 percentage points higher than in Q1 2026, at 130.90%. Bank of Prairie Du Sac has the 13th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 61.07% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Prairie Du Sac sits 19.88 points lower, at 61.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $393.5M |
| Net loans and leases | $388.1M |
| Loans held for sale | $232K |
| Loans to total assets | 52.84% |
| Loan-to-deposit ratio | 61.07% |
| Net loans to equity capital | 4.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.30% |
| Multifamily (5+ residential) | 6.41% |
| Commercial and industrial | 12.68% |
| Consumer | 0.79% |
| Credit cards | 0.15% |
| Farm | 10.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.93% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.90% |
| Construction concentration (Tier 1 capital + allowance) | 46.83% |
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 | 6.08% |
| Interest income on loans | $6.0M |
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 | $343.7M | $482.8M | 42.27% | 14.52% | 0.67% |
| Q4 2023 | $342.9M | $518.8M | 39.89% | 14.38% | 0.62% |
| Q1 2024 | $356.3M | $502.8M | 39.28% | 16.38% | 0.50% |
| Q2 2024 | $360.1M | $502.9M | 39.87% | 15.61% | 0.48% |
| Q3 2024 | $357.7M | $513.7M | 40.41% | 14.67% | 0.46% |
| Q4 2024 | $365.6M | $549.0M | 39.53% | 15.15% | 0.44% |
| Q1 2025 | $368.6M | $523.6M | 41.16% | 14.09% | 0.41% |
| Q2 2025 | $371.2M | $551.9M | 41.19% | 16.76% | 0.43% |
| Q3 2025 | $376.0M | $592.9M | 40.99% | 15.05% | 0.44% |
| Q4 2025 | $381.5M | $660.5M | 41.30% | 14.02% | 0.59% |
| Q1 2026 | $382.0M | $654.4M | 38.81% | 13.14% | 0.82% |
| Q2 2026 | $393.5M | $644.3M | 36.30% | 12.68% | 0.79% |
Bank of Prairie Du Sac loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Prairie Du Sac, 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 Prairie Du Sac profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14660) · FFIEC NIC profile (RSSD 997847)