Bank of Wisconsin Dells: 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) dropped 2.63 percentage points in Q2 2026, from 379.64% to 377.01%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Bank of Wisconsin Dells is 68th of 153 on loan-to-deposit ratio, 91.00% as of Q2 2026, above the middle of the field. Bank of Wisconsin Dells reported 91.00% on loan-to-deposit ratio for Q2 2026, 2.80 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $844.4M |
| Net loans and leases | $830.1M |
| Loans held for sale | $115K |
| Loans to total assets | 78.19% |
| Loan-to-deposit ratio | 91.00% |
| Net loans to equity capital | 6.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 60.51% |
| Multifamily (5+ residential) | 3.53% |
| Commercial and industrial | 5.23% |
| Consumer | 0.09% |
| Credit cards | 0.00% |
| Farm | 0.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 377.01% |
| Construction concentration (Tier 1 capital + allowance) | 121.87% |
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 | 6.70% |
| Interest income on loans | $14.0M |
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 | $714.3M | $821.5M | 63.14% | 4.66% | 0.18% |
| Q4 2023 | $718.9M | $828.6M | 64.61% | 4.59% | 0.12% |
| Q1 2024 | $731.8M | $848.5M | 64.79% | 5.01% | 0.12% |
| Q2 2024 | $754.3M | $831.8M | 65.26% | 5.15% | 0.10% |
| Q3 2024 | $742.0M | $841.3M | 66.04% | 4.84% | 0.09% |
| Q4 2024 | $745.9M | $840.3M | 68.99% | 5.29% | 0.10% |
| Q1 2025 | $768.2M | $844.4M | 68.21% | 5.40% | 0.08% |
| Q2 2025 | $786.6M | $830.3M | 66.75% | 5.43% | 0.09% |
| Q3 2025 | $801.1M | $853.6M | 66.46% | 4.86% | 0.08% |
| Q4 2025 | $838.9M | $894.3M | 63.30% | 5.17% | 0.07% |
| Q1 2026 | $819.4M | $918.5M | 60.86% | 5.11% | 0.09% |
| Q2 2026 | $844.4M | $927.8M | 60.51% | 5.23% | 0.09% |
Bank of Wisconsin Dells loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Wisconsin Dells, 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 Wisconsin Dells profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15136) · FFIEC NIC profile (RSSD 894348)