Bank of Sun Prairie: 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): 78.64 percentage points lower than in Q1 2026, at 342.16%. Bank of Sun Prairie ranks 96th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 83.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Sun Prairie sits 2.79 points higher, at 83.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $601.7M |
| Net loans and leases | $594.0M |
| Loans held for sale | $815K |
| Loans to total assets | 71.53% |
| Loan-to-deposit ratio | 83.62% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.03% |
| Multifamily (5+ residential) | 22.68% |
| Commercial and industrial | 5.91% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 1.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 342.16% |
| Construction concentration (Tier 1 capital + allowance) | 21.04% |
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 | 5.69% |
| Interest income on loans | $8.5M |
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 | $653.2M | $596.9M | 43.69% | 8.40% | 1.07% |
| Q4 2023 | $660.6M | $625.1M | 43.00% | 8.31% | 0.95% |
| Q1 2024 | $650.3M | $593.8M | 43.48% | 5.44% | 0.90% |
| Q2 2024 | $646.0M | $583.4M | 44.57% | 5.68% | 0.87% |
| Q3 2024 | $648.0M | $645.8M | 45.12% | 5.31% | 0.79% |
| Q4 2024 | $623.8M | $652.8M | 44.39% | 5.18% | 0.78% |
| Q1 2025 | $611.8M | $623.9M | 43.23% | 5.43% | 0.73% |
| Q2 2025 | $609.0M | $613.0M | 41.69% | 5.26% | 0.69% |
| Q3 2025 | $612.3M | $604.2M | 41.39% | 4.86% | 0.65% |
| Q4 2025 | $587.6M | $608.3M | 42.78% | 3.82% | 0.58% |
| Q1 2026 | $590.2M | $587.5M | 43.24% | 5.10% | 0.53% |
| Q2 2026 | $601.7M | $719.5M | 43.03% | 5.91% | 0.74% |
Bank of Sun Prairie loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Sun Prairie, 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 Sun Prairie profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13565) · FFIEC NIC profile (RSSD 124344)