Bankers' Bank: 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 22.50 percentage points in Q2 2026, from 235.18% to 212.68%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bankers' Bank ranks 8th highest among the 153 banks headquartered in Wisconsin, at 117.73% (Q2 2026). Bankers' Bank reported 117.73% on loan-to-deposit ratio for Q2 2026, 29.53 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.12B |
| Net loans and leases | $1.11B |
| Loans held for sale | $2.7M |
| Loans to total assets | 76.31% |
| Loan-to-deposit ratio | 117.73% |
| Net loans to equity capital | 5.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.68% |
| Multifamily (5+ residential) | 16.62% |
| Commercial and industrial | 3.15% |
| Consumer | 1.29% |
| Credit cards | 1.29% |
| Farm | 1.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.68% |
| Construction concentration (Tier 1 capital + allowance) | 31.19% |
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 | 5.46% |
| Interest income on loans | $13.7M |
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 | $1.01B | $870.3M | 23.58% | 6.60% | 1.06% |
| Q4 2023 | $1.06B | $886.3M | 23.85% | 6.57% | 1.03% |
| Q1 2024 | $1.06B | $875.1M | 24.27% | 6.61% | 1.02% |
| Q2 2024 | $1.10B | $755.1M | 23.25% | 6.16% | 1.00% |
| Q3 2024 | $1.09B | $961.9M | 23.32% | 5.13% | 1.13% |
| Q4 2024 | $1.09B | $926.4M | 21.83% | 5.04% | 1.20% |
| Q1 2025 | $1.10B | $979.8M | 22.23% | 3.49% | 1.12% |
| Q2 2025 | $1.12B | $892.2M | 22.16% | 2.60% | 1.09% |
| Q3 2025 | $1.13B | $918.1M | 23.28% | 2.42% | 1.15% |
| Q4 2025 | $1.11B | $808.0M | 24.08% | 1.81% | 1.22% |
| Q1 2026 | $1.12B | $904.9M | 24.56% | 3.50% | 1.22% |
| Q2 2026 | $1.12B | $951.9M | 22.68% | 3.15% | 1.29% |
Bankers' Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' Bank, 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 Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23537) · FFIEC NIC profile (RSSD 408642)